The whole thing started when my family said that they want more space. We liked Okotoks because it felt like a small town. The schools were good. The yards were big. The prices seemed fair
We thought we found the perfect place but decided to go with an agent anyway. Friends went with JD Real Estate and said that they liked it
Then our agent sat down with us before we made any offers. He said there were extra costs we needed to check first
He told us Okotoks has higher wildfire risk. Some insurance companies charge more because of that. Some refuse to cover certain homes at all. He showed us flood maps. He pointed out streets that had water damage in the past. He also showed us which areas were safe
We had two houses we really liked. One had a $4K wildfire fee each year on top of regular insurance. Another required expensive flood coverage. We didn't know these costs existed. They would have added hundreds of dollars to our monthly payments
Our agent didn't stop there. He found three homes for us in lower-risk areas. Their insurance costs were normal. We bought one of them and it had everything we wanted
Now we tell our friends: don't just look at the price tag. Ask about insurance. Ask about extra fees. And find an agent who knows the area well