Andrew Cochrane Realtor With Royal Shell Real Estate

Andrew Cochrane Realtor With Royal Shell Real Estate The SW Florida Real Estate Guru! To be given the opportunity to professionally market your property to a more vast vicinity of buyers.

My office markets property through two MLS listing services in Lee and Collier Counties for a greater exposure. Lahaina Realty markets properties through some major publications like the Breeze Newspapers and Homes and Land to just name a few. We will market your property on several websites such as our company’s website Lahaina Realty (FMBsun.com) and my personal website (YourFMBrealtor.com) but

most importantly the number one real estate website Realtor.com
With more than 44 years of serving Lee & Collier Counties, our office has earned the trust of our clients giving them the opportunity to own a beautiful South West Florida home. Our exceptional team of highly skilled agents have become experts in the local market. Committed to delivering an unsurpassed level of service, our devoted team remains on the cutting edge of technology, research and marketing. It would be an honor to interview for the job of marketing your property by showing you how dedicated I am in conjunction with the Lahaina Team to get you moved on with your life by getting your property SOLD!

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.

What is the 80% Rule in Property Insurance?The 80% rule in property insurance means homeowners should insure their home ...
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.)

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

LOVE this image!
04/25/2025

LOVE this image!

"Can't See the Forest Through the Trees?" Step outside for a second and see what else is out there!
04/24/2025

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

Cape Coral Yacht Club area before construction in 1962
04/24/2025

Cape Coral Yacht Club area before construction in 1962

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

I think this is self explanatory!
04/22/2025

I think this is self explanatory!

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6035 Estero Boulevard
Fort Myers Beach, FL
33931

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