Bill lets homeowners deduct $10,000 in home insurance from taxes
H.R. 9978 — Homeowners Premium Tax Reduction Act of 2026 · Filed by Gus Bilirakis (R-FL) · Introduced Jul 30, 2026 · Referred to committee
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What it does
The bill creates a new tax cut for homeowners. Homeowners can subtract up to $10,000 per year in home insurance costs. The cut only applies to insurance on a person's main home. It starts in the tax year after the bill becomes law.
Who it affects
Homeowners with loans on their main homes pay lower taxes. Renters and people without home loans do not get this cut. Homeowners in high-cost areas hit the $10,000 cap and get only partial relief.
One thing to notice
The cut reduces taxes homeowners pay. Homeowners who get tax cuts for loans also get this extra tax cut.
From the analysis of the bill text, linked under Primary records below.
Where it stands
- Jul 30, 2026 — Introduced · Congress.gov: “Introduced in House”
- Jul 30, 2026 — Referred to House Committee on Ways and Means · Congress.gov: “Referred to the House Committee on Ways and Means”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Words to know
- tax cut — Money you can subtract from your income before calculating taxes owed
- main home — The house or apartment where a person lives most of the time
- home insurance — Insurance that pays for repairs if a house is damaged by fire, storms, or theft
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (1,726 characters) on Aug 2, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 14,707 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
As of — page rendered 2026-09-23.
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