CHICAGO — Illinois homeowners are heading into 2026 with another major cost increase on the horizon: Allstate has filed to raise homeowners insurance rates statewide, following State Farm’s headline-making hike earlier this year. The back-to-back moves are intensifying a political fight in Springfield over how (and whether) Illinois should regulate home insurance prices, while consumer advocates warn affordability is eroding for hundreds of thousands of families who have little choice but to keep coverage to satisfy mortgage requirements. Chicago Sun-Times+1 What’s unfolding in Illinois mirrors a broader national trend—homeowners premiums have climbed sharply across much of the U.S.—but the state’s