Rental Property common expenses - insurance amount (before or after inusrance rate discount)?

[d_noheart]

So the insurance rate for my rental property is almost $4,000 per year but since I have multiple products with the insurance provider I get a rate discount of almost $2,000. 

When I put the $4,000 amount for insurance costs, instead of the $2,000, on my property common expenses I am looking to save almost $500 on federal taxes that I have to pay. The true cost of the insurance is $4,000 but thats not what I pay so can I still claim that?

I cant seem to find the answer anywhere on if this is allowed or I have to use the after discount rate.  Can anyone help?

[AnnetteB6]

If you are claiming a deduction for an expense, such as your insurance, you must claim the amount that you actually pay.  You cannot claim an un-discounted rate if you are paying a discounted rate.  

[d_noheart]

Thanks I was thinking the same thing but want to make sure.