The State of Illinois is suing State Farm for refusing to provide nationwide homeowners’ insurance data at the request of the Illinois Department of Insurance (IDOI).
Attorney General Kwame Raoul filed the lawsuit on Oct. 14 on behalf of Director of Insurance Ann Gillespie, who in November 2024 initiated an examination of State Farm’s homeowners’ data.
IDOI asked the Bloomington, Illinois-based insurer to provide complete nationwide zip-code level data including total homeowners’ premium collected, number of policies and claims and types of coverage provided.
State Farm refused to comply with Gillespie’s request. State Farm responded that the data reveals information about policies for homes located outside of Illinois and expressed concerns that Gillespie would violate confidentiality protections.
“State Farm did not violate the law,” the insurer said. “This lawsuit is without merit and it has nothing to do with Illinois customers or the cost of their insurance.”
Raoul said in a statement that State Farm is preventing IDOI from obtaining information to help make sure all Illinois homeowners are being treated fairly.
“State insurance departments are the primary regulators of insurance companies, so it is crucially important that State Farm, headquartered in Illinois, cooperate with the department’s oversight of its business practices,” Raoul said.
The lawsuit was filed months after State Farm implemented a 27% rate increase for Illinois homeowners. The rate increase drew attention from Illinois Governor J.B. Prtizker and other state leaders.
State Farm this week the rate increase was supported with a 32-page long rate filing that includes detailed actuarial analysis. The insurer has said Illinois homeowners insurance rates are increasing due to increased frequency of severe storms.
State Farm said Illinois premiums are priced for the risk in Illinois state—not for losses in other states.
Topics Lawsuits Data Driven Homeowners Illinois
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