Worried about losing your home to wildfire? Thinking of moving to a more fire safe area?
Before you go, give Mark Ridens a call
With the memory of the Paradise Fire and the McCourtney Fire clear in our minds, and notices of premium increases or cancellations of fire insurance plans mounting in the area, you might be thinking of moving out of this beautiful area you call home. But you don’t have to leave everything you love to be safe. Before you decide to pack up and move to Roseville, or Idaho, or the Arctic Circle, Let Mark Ridens work tohelp you find a house that meets your needs and retain your foothill lifestyle.
“There is a way to make a move without leaving the area. There are options within our county where you can maintain your normal lifestyle while possibly cutting costs and removing somerisk. A lot of people who have been living rurally for the past five years know that insurance costs and the wildfire risk have increased. There is a fear that we will lose our homes to fire. There is a basic fear of not only losing fire insurance, but the reality of evacuating your family and losing your home and prized positions in a fire being a possibility,” Ridens said. “People are realizing that it could happen here at any time.”
Ridens is passionate about helping people find a home in their ideal location outside of the fire danger zone because he knows the area, and the insurance market. Ridens grew up in South Nevada County, where his parents owned Clear Creek Feed Store for decades. He attended Clear Creek School for one year and then went to Mount St Mary’s, where his mom has worked for 30 years, to finish his primary school years. He then moved to Bear River High School and graduated in 1996. After high school, Ridens moved to Rocklin and worked for a short time in the tech industry before the crash in 2001.
Thinking it would be a more stable industry Ridens began his real estate career in 2002, and then started an insurance brokerage in 2008. He has returned to real estate, as that is his passion and where feels he can best help people to achieve their dreams. His wife also has her real estate license, and although they currently live in Auburn with their two wonderful sons, Beau 6, and Hunter 2, Beau attends Forest Lake school in Grass Valley and the family is seeking the right piece of land in South County so that they can build their own dream home in the area where Ridens and his wife have such happy memories of growing up.
With his extensive experience in both real estate and insurance, Ridens is uniquely positioned to help potential buyers find a property that suits their needs and desires while not breaking the bank with over inflated insurance costs. He also knows how special Nevada County is and how much the people here love the pockets of communities in which they live. “I would like to use my knowledge of both industries to help you be able to pull off a move and not lose a school district you are looking to stay in or the grocery store that you love,” he said.
Even though insurance costs are rising and some companies are cancelling fire policies, Ridens asserts that you should always be able to get fire insurance with the California Fair Plan. However, he explained, it is typically your last line of defense because it is a unique policy. Without a companion policy attached it can create gaps in coverage in comparison to a standard special form coverage policy. “I use the example of State Fund Workers Compensation Insurance, they’re willing to write a policy when no one else will,” Ridens further explained.
Ridens invites you to give him a call to have a conversation about your priorities, concerns about your current location, and the area in which you want to live. With him, you have someone you can call who understands both sides of the insurance and real estate fence. “Let’s have the conversation and see where you live and what your priorities are and see if it would suit you best to relocate within your current living circle,” Ridens said.
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