You cannot use your home insurance. Prob. what the first poster meant was PMI, which is Private mortgage insurance which is NOT regular home insurance coverage.
Block was asking you all the questions to see if its more beneficial to itemize rather than using your standard deduction of MFJ. On this form you would also claim your medical insurance prem., but not if they are pre-tax; co-pays to doc's, labs, hosp., etc.; sales tax OR state income tax; monies given to charities (church, school, scouts, goodwill, cancer, etc.) including any miles for volunteering for non-profits; expenses for work that the employer did not reimburse. All of these do have a threshold amount tho. Block will advise you on these. :) You can ask more questions her on cafemom at Filing Your Own Taxes group.
at 9:38 AM on Feb. 15, 2009