Enticing discount mortgage rates have helped put Calgary's detached home market in rare form.

For homeowners, insurance is an inescapable expense that can quickly add up when stacked on top of other financial obligations like a mortgage, property taxes and utilities. That's why it's important to make sure you're getting the best deal possible – even a few small discounts applied to your premiums can turn into huge savings over time.

For many, home is the place where they feel the safest and most at ease. However, there are many hazards within the average house or apartment that can have dangerous, and even deadly, consequences if left unchecked. Luckily, most of these threats are easy to identify and even easier to avoid with just a little bit of knowhow.

Here are 12 common household hazards and how to eliminate them:

HGTV star Todd Talbot shares advice from 20 years in real estate at the Calgary Home and Garden Show

At the age of 22, Vancouver actor Todd Talbot bought his first home, paying his mortgage with the help of a rent-paying friend.

It was a unique occurrence among his theatre colleagues.

"(As an actor) you don't make a ton of money and you are pretty transient," said Talbot, who, as a teenager, appeared on the Hillside TV series with fellow Vancouverite and current Hollywood heavyweight Ryan Reynolds.

However, it was this initial foray into real estate – $190,000 for a two-bedroom, two-bathroom condo two blocks from Kitsilano Beach – that sparked Talbot's second career as an entrepreneur, leveraging one piece of property for another, and then another, and eventually leading to ownership of several real estate companies.

Borrowing under three per cent has benefits*

Now may be a better time than ever to refinance your home.

With five-year fixed rates as low as 2.59 per cent and variable rates at 2.15 per cent, anyone with a current mortgage rate over three per cent could potentially benefit from a refinance, and should be having a conversation with a mortgage professional.

Making your home smarter - on a budget

Today's home technology solutions is allowing owners to perform a myriad of tasks, with budget being the only limiting factor.

Yet, you don't need to spend thousands to "smarten" up your home. With a plethora of affordable gadgets now available, any homeowner can increase their home's IQ without breaking the bank.

CREB®Now takes a look at some of the more popular devices available.

Taking high-tech outside the home

* Home is Where the Tech Is: With new technology designed to make the lives of homeowners easier arriving every day. CREBNow explores some of the tech trends designed to help get the best out of your home.

When most homeowners think technology, their thoughts likely turn toward those gadgets designed to add entertainment, safety or convenience to the home.

However, technological advances designed to improve the lives of homeowners need not be cooped up indoors.
Although not as flashy as a new 4K curved screen television, the high-tech contraptions being made for use outdoors can still provide plenty of purpose.

Drop masks diverging local conditions in fourth quarter of 2014

Home price increases in Ontario were key to a slight decrease in housing affordability across Canada, said a report from RBC.

The bank said although owning a home at current market value in Canada was less affordable for the second straight quarter as of the end of 2014, affordability trends have stayed relatively flat since 2010.