No, in most cases, homeowner’s insurance is not tax deductible. However, if you are self-employed and claiming a home office deduction, or if you’re renting out the property you’re insuring, you may be able to write off a prorated portion of your homeowner’s insurance.

While homeowner’s insurance premiums are not tax deductible, it is important to note that private mortgage insurance (PMI) payments could be. If you have a rental property, you may be able to deduct PMI payments from your taxable income.

Don’t let a missed deduction leave you with a bigger tax or smaller tax refund. File with a Tax Pro who will make sure you get every dollar you’re due. Book your appointment today to talk taxes with the pros.

Sharon Brucker, CPA Senior Tax Research Analyst Published on: August 13, 2025
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*This content is for general informational purposes only. It is not intended to be comprehensive and should not be construed as professional tax or financial advice for any specific individual tax situation. Taxpayers should always consult a qualified professional for individual guidance. This information constitutes a solicitation under the Treasury Department's Circular 230. Most offices are independently owned and operated.