One exception proves nothing, but the upside-down discussions about home insurance regulations in Illinois reached a fitting conclusion last week when Democrats couldn’t agree on reforms and the issue died at the end of veto session.

Our state’s regulations are “among the most toothless in the nation,” according to a July quote from Douglas Heller, insurance director for the Washington-based Consumer Federation of America, in a Capitol News Illinois story . The remark contradicts Illinois’ reputation as a terrible place to do business because of all the burdensome red tape existing chiefly to enrich trial lawyers.

But average premiums increased 50% from 2021 to 2024, so leading Democrats like the governor and Statehouse chamber leaders got behind a plan requiring insurers to give cli

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