The Benefits of Using a Residential Realtor


In today’s busy realty market, there is no shortage of residential properties being bought and sold. Although many people choose to handle the listing, sale and closing of their home on their own, there are many reasons why using a realtor has its advantages (I’m sure most of you have seen those funny TV commercials).


When buying, a realtor can assist you in locating available homes in desired areas, obtaining property inspections, price negotiations (which may or may not include requesting repairs as noted in the property inspection), and also with the paperwork and closing.


When selling, a realtor has pricing experience to be able to assist you in determining what price to list your home. In addition, as with buying, they can also assist you with all of the necessary paperwork, negotiations, recording keeping and closing.


We would like to introduce you to a long-time friend and client of Costen Insurance, Zeena Taghvai.

Zeena Taghvai, a Real Estate Agent with RE/MAX Realty Group, knows about buying and selling houses. She knows how to find the best deal for her clients, and how to put them at ease during what is often a stressful time. Her knowledge, however, is not limited to negotiation and the real estate market. Zeena is a great resource of information about a variety of topics that can significantly change your insurance coverage and premiums. She can give you advice on the quality of a property, on how well it has been maintained, as well as review other information that is made available through a property inspection.


For example, depending on the age of the roof on a home, insurance coverage could be restricted to Actual Cash Value (ACV) instead of Replacement Cost. A thorough property inspection can also provide details on the type of wiring and ampage that are used in the home, some of which could restrict the insurance coverage available to you or result in your paying higher insurance premiums. Some older homes, for example, have only 60AMP wiring which is insufficient for many of today’s modern appliances and electronics. The average new build on the other hand usually comes with a standard ampage of 200 AMP. This is a significant difference that not only affects your daily life, but can also have a negative impact on your insurance rates or ability to place insurance on your property. It is important to find out as much as you can from your realtor about a property you are considering, not only so you get the best deal on your real estate transaction, but also to avoid potential time-consuming and costly repairs or unexpected insurance rates due to age, wiring and quality.



Are you looking to buy or sell a residential property? Looking for your first home or wanting to move to a new location? Do you have questions about Calgary’s real estate market or just what’s going on in YOUR neighbourhood? We recommend that you contact Zeena Taghvai, as she would be happy to help you out and answer any questions that you may have! Let her know that your friends at Costen Insurance sent you!


For a full listing of properties, service providers and a handy mortgage calculator, please visit



Thank you!

The Costen Insurance Team