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Is homeowners insurance tax deductible for my home office?

I’m self-employed as a consultant and primarily work from home. I live in a small two-bedroom house, but I use the second bedroom as an office. Is homeowners insurance tax deductible for my home office?

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Sadie Lovemore · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yes! You can take advantage of this tax break since you don’t have an employer. Homeowners insurance is tax deductible for your home office if you’re self-employed or a landlord, but it’s generally not deductible otherwise.
Laws currently state that you can qualify for home office deduction if you are self-employed, but not if you’re an employee. Here’s how
home insurance
can be tax-deductible:
  1. You have a dedicated home office. You can deduct a percentage of your home insurance from your annual premium. For example, if your home office is one-fifth the square footage of your house, you can deduct 20% of the cost of your homeowners insurance.
  2. You receive rental income from your home as a landlord. If you’re renting out part of your house, you can deduct that portion of your homeowner’s insurance. You can do this for additional properties as well.
Keep in mind that your home office needs to meet certain criteria to claim this deduction. You have to use this part of your home regularly and exclusively for business to qualify, even if it’s just a dedicated nook.
Regardless of whether or not you can deduct your home insurance, you can still save money on your annual premium. A licensed broker,
Jerry
does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new home insurance. Jerry will even help you cancel your old policy if you decide it’s not right for you.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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