Can You Claim Home Insurance On Your Taxes? 
Typically , you can not claim your home owner 's insurance on your primary residence as a deduction on your taxes . If you own , rental homes , then you could deduct the premiums as a tax deduction . A good rule of thumb for insurance used for personal benefit -LRB- not a business use -RRB- ... if you can deduct the premiums on your taxes , the benefits are likely to be taxed . Disability is probably the best illustration ... if the premiums are taken out pre-tax , then the benefit is taxed . Life insurance inside a pension plan is another example ... the death benefit is taxed as income ! 