4/15    In Bay Area, what percentage of the home (non-condo/townhouse) value should I
        expect to pay for home insurance? And are any of it deductible? Just trying
        to do a rough number calculation for single family home + insurance vs condo
        with HOA.
        \_ Insurance for your residence is not tax-deductible.
        \_ This whole idea of TAX DEDUCTION to stimulate the
           OWNERSHIP SOCIETY is totally stupid. Ditto with tax rebates
           that really come from foreign loans that someone will have
           to pay back.
           \_ No they won't. We're throwing the dollar overboard, and the debt
              will go with it. The dollar is "overloaded".
        \_ Even with a condo you should obtain insurance for your belongings
           and for liability. Insurance will be about .002 of home replacement
           cost (deduct the land) if you have a high deductible (>$1K). As
           above, the insurance is not deductible.
           above, the insurance is not deductible. One thing to note:
           condos usually have earthquake coverage included in the HOA
           dues, while for a SFR this costs (a lot) extra.