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If separate households are residing in the same residence and one of the households owns the residence, any money paid to the property owner is rental income. See Policy 501-1 “Rental Income”. Allowable shelter costs include: 1. Continuing charges for the shelter occupied by the household, including rent, mortgage, condo and association fees. Any fees that have a specific, separately identifiable dollar amount are not considered countable expenses. However, if these fees are included in the rent and cannot be separated from it, the entire rent amount is counted. Also allow other continuing charges leading to the ownership of the shelter such as loan repayments for the purchase of a mobile home, including interest on such payments. Shelter expenses should be verified at Application and Recertification. 2. Mortgage or other continuing charges leading to ownership of the shelter occupied by the household (e.g., loan repayments including interest for the purchase of a mobile home and condominium fees in their entirety). Mortgage expenses should be verified at Application and Recertification. 3. Payments on home equity loans, home equity lines of credit or other forms of second mortgages that the home property is used as collateral. These expenses should be verified at Application and Recertification. 4. Property taxes, state, and local assessments. NOTE: Mandatory fees on a property tax bill, such as for garbage, are allowable as a part of the property tax deduction. Late fees and subsequent interest are not countable. These expenses should be verified at Application and Recertification. 5. Homeowner’s insurance on the structure only. Costs for insuring furniture or personal belongings are not allowed if the insurance policy separates structure and content costs. The entire premium amount is allowed if the insurance policy does not separate structure and content costs. NOTE: Mandatory fees for installment payments are allowed (e.g., $2.03/month extra for homeowner's insurance if paid monthly instead of annually). Renter's insurance is not an allowable expense. These expenses should be verified at Application and Recertification. 6. Charges for repair of a home substantially damaged or destroyed due to a natural disaster such as a fire or flood. The costs do not include charges for the repair of the home that have been or will be reimbursed by private or public relief agencies, insurance companies, or other sources. 7. RVs, campers, and other vehicles: Payments and continuing charges leading to the ownership of RVs, campers, cars, etc. are allowable provided that the RV, camper, or car serves as the household’s primary residence. We must verify that it is the primary residence. Insurance related to these vehicles and campers is also allowable. Vehicle registration fees, tags, etc. are NOT allowable expenses in these situations. The cost of gasoline to operate/drive the vehicle is not an allowable expense as it is unrelated to the shelter. If the RV, camper, or car is heated with propane or another separate fuel source, it can be used for the SUA.