Andrew Cochrane Realtor With Royal Shell Real Estate

03/27/2026

Golden Years, Golden Homes: Wealth for Seniors - https://mailchi.mp/201c5b55a067/fmbrealtorgmailcom-14232111

06/23/2025

Dangerous-Dog Owners in Florida Must Now Get $100,000 of Animal Liability Insurance

Owners of dangerous dogs in Florida will soon have to secure at least $100,000 in liability insurance coverage after the governor signed House Bill 593 into law.

Also known as the Pam Rock Act after a mail carrier who was mauled to death in 2022, the law mandates that owners of dogs that have bitten humans or killed or injured pets to obtain liability coverage. They also must keep the animals in an enclosure, with warning signs, must microchip and neuter the dogs, and must maintain rabies vaccination certificates, the bill reads.

Animal shelters must provide information about the dogs’ history to prospective adopters. Animal control authorities also are authorized to euthanize dangerous dogs that have been surrendered.

The law, which takes effect July 1, also slightly raises the level of violation, to a first-degree misdemeanor, when an owner disregards a dog’s dangerous propensities, an legislative staff analysis of the bill notes.

06/11/2025

https://www.floridarealtors.org/news-media/news-articles/2025/06/millionaire-renters-flock-florida?utm_campaign=6-11-25+Florida+Realtors+News&utm_source=iPost&utm_medium=email

Areas across the state are seeing a sharp increase in high-net-worth residents, both renters and homeowners, attracted here by good weather and a low tax burden.

06/11/2025

What is the 80% Rule in Property Insurance?

The 80% rule in property insurance means homeowners should insure their home for at least 80% of its replacement cost to avoid being penalized for under insurance. If a homeowner insures their home for less than 80% of the replacement cost, the insurance company may only pay a portion of a claim, leaving the homeowner responsible for the remaining costs.

Replacement Cost vs. Market Value:
The 80% rule is based on the property replacement cost of a home, which is the cost to rebuild it with similar materials and quality. This differs from market value, which is influenced by factors like location and buyer demand.
Calculating Coverage:
To determine the minimum coverage needed, homeowners multiply the estimated replacement cost of their home by 0.80 (80%).
Underinsurance and Penalties:
If a homeowner's policy coverage is less than 80% of the property replacement cost, they are considered underinsured. In this case, the insurance company may use a coinsurance penalty or reduce the claim payout proportionally.
This means the homeowner will need to pay a larger share of the repair costs. ( i.e. If the property is insured for only 50% of the property replacement cost, the claim proceeds will be 5/8 = .625 of the claim settlement amount.)

04/26/2025

Sometimes being in the wrong patch makes you stand out among your peers. But they may not see your color in the way it deserves to be seen!

04/25/2025

Pickleball a growing sport that’s more than just a game; it’s a lifestyle
https://fortmyers.floridaweekly.com/articles/the-game-of-pace/

04/25/2025

LOVE this image!

04/24/2025

"Can't See the Forest Through the Trees?" Step outside for a second and see what else is out there!

04/24/2025

Cape Coral Yacht Club area before construction in 1962

04/23/2025

If you still have a smile among blue and unhappy people, it may show your ability to put up mediocrity in aspects of your life. BUT, how healthy is this?

04/22/2025

I think this is self explanatory!