Avoid surprises and protect your sale with the right documents.
When you’re selling a home in Alberta, there’s one requirement many sellers don’t fully understand: providing proof that your property complies with municipal bylaws. That proof typically comes from an RPR (Real Property Report) or, in some cases, title insurance—but the difference between them can mean the success or failure of your sale.
Here’s what every Calgary seller needs to know before listing.
đź“‘ What is an RPR?
An RPR is a detailed land survey prepared by an Alberta Land Surveyor. It shows your property’s boundaries, structures (like decks, garages, and fences), and confirms whether your home complies with municipal rules.
Sellers are usually required to provide an up-to-date RPR with a certificate of municipal compliance, which proves there are no bylaw violations or encroachments.
đź”’ What is Title Insurance?
Title insurance is an insurance policy that can protect buyers and lenders against certain issues—like undisclosed encroachments or zoning non-compliance—if an RPR is missing or outdated.
Some buyers and lenders accept title insurance in place of an updated RPR. But it’s not always guaranteed, and it doesn’t correct bylaw issues; it only covers certain risks financially.
⚠️ Why This Matters for Sellers
If your RPR is outdated (for example, if you’ve added a deck, garage, or fence), you’ll either need to update it or negotiate to provide title insurance.
The wrong choice can:
Delay your closing
Lead to last-minute renegotiations
Even cause your sale to collapse
Understanding whether your RPR is current—and if not, whether title insurance is an option—will help you avoid costly surprises.
🏡 Key Takeaways for Calgary Sellers
✔️ Have an updated RPR ready before listing whenever possible.
✔️ Know when title insurance is acceptable—and when it’s not.
✔️ Discuss your options early with your REALTOR® and lawyer.
📩 Want My Free Seller’s Guide?
DM me “RPR” and I’ll send you my Seller’s Guide to RPR vs Title Insurance, so you know exactly what buyers expect—and how to keep your sale on track.
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