Clergy Housing Allowance and other insurance

Forum|Forum|3 months ago
April 4, 2026
1 reply
14 views

Would the policy premiums for insurance (independent of home insurance policy) to cover personal property loss on items to cover the difference between what a home owners policy would and their value in the event of a loss? (Things like jewelry, collectible toys, sports cards, art, family heirlooms, etc). Homeowners policies often have low limits on some of these items. I'm aware that specific things can be added to a homeowner's policy for such things with additional premiums and that would negate the question, but if one were to go the independent/separate route, would it still qualify?

Best answer by MaryK4

Yes, separate insurance policy premiums for personal property (often called "inland marine" policies or scheduled personal property) generally qualify as a housing expense for the Clergy Housing Allowance, provided they cover contents within your primary residence.

A minister who receives a housing allowance may exclude the allowance from gross income to the extent it's used to pay expenses in providing a home. Generally, those expenses include rent, mortgage interest, utilities, and other expenses directly relating to providing a home. Topic no. 417, Earnings for clergy

MaryK4Answer

Level 15

A minister who receives a housing allowance may exclude the allowance from gross income to the extent it's used to pay expenses in providing a home. Generally, those expenses include rent, mortgage interest, utilities, and other expenses directly relating to providing a home. Topic no. 417, Earnings for clergy

**Say "Thanks" by clicking the thumb icon in a post. **Mark the post that answers your question by clicking on "Mark as Best Answer"