Yes, it is true. You do not report anything to the IRS when you have a roommate to share expenses.
Yes, you can share the expenses of homeowners insurance and real estate taxes as well. If you are itemizing your return, then you would need to reduce the amount of property taxes you claim as a deduction by the amount your roommate pays. If you are taking the standard deduction, there is no affect on your return as you will not report your property taxes on your return.
Homeowners insurance is not deductible so, there is no affect on your return if you itemize.
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