; or (B) personal property relating to a dwelling described in subparagraph (A). (2) Eligible policyholder The term eligible policyholder means a policyholder with a household income that is not more than 140 percent of the area median income for the area in which the property to which the policy applies is located. (3) Housing expenses The term housing expenses means, with respect to a household, the total amount that the household spends in a year on— (A) mortgage payments or rent; (B) property taxes; (C) homeowners insurance; and (D) premiums for flood insurance under the national flood insurance program. (4) Insurance costs The term insurance costs means, with respect to a covered property for a year— (A) risk premiums and fees estimated under section 1307 and charged under section 1308; (B) surcharges assessed under sections 1304 and 1308A