LAND, RANCH & RECREATIONAL PROPERTY

Insurance for Property With Its Own Set of Rules.

A ranch is not a house. An equestrian estate is not a vacation home. Land with structures, animals, and recreational use creates exposures standard property policies do not contemplate. BCU does.

Land, Structures, Animals, and the Activities That Happen There.

Large acreage property creates a different kind of insurance problem. The house is usually only one building on the property. There are barns, equipment buildings, guest cottages, water features, fencing, and sometimes entire secondary residences for staff or family. There are often animals. There are almost always recreational activities, ranging from riding to hunting to hosting. Each of these creates exposures a standard homeowners policy either excludes or caps.

BCU builds coverage designed for the reality of land ownership, not the reality of a single-structure suburban home.

What a BCU land and ranch program addresses

• Primary ranch and estate residences with appropriate high value home coverage
• Equestrian properties including barns, stables, arenas, and boarding facilities
• Large acreage estates with multiple structures and outbuildings
• Farm structures and equipment coverage
• Liability tied to land use, recreational activity, and hosting
• Animal-related liability including horses, livestock, and dogs
• Guest cottage, staff housing, and secondary residence coverage
  

Built for the Realities of Land Ownership.

BCU works with ranch owners, equestrian families, and clients who own significant acreage as part of their primary residence or as a separate holding. The common thread is that the property is more than a house on a lot.

Typical land and ranch clients include

• Ranch owners with working or recreational ranch property
• Equestrian families with competition, breeding, or boarding operations
• Owners of large acreage estates with multiple residences and outbuildings
• Families with recreational land used for hunting, fishing, or gathering
• Clients hosting events, weddings, or public activities on private land
  

Specialist Carriers for Specialist Property.

Review

We review every structure, every acre, every animal, and every activity that happens on the property. Most reviews identify buildings or uses the current policy does not address.

Design

We place coverage with carriers who specialize in farm, ranch, and estate property, and coordinate it with the broader personal insurance program.

Advocate

Claims on land and ranch property often involve specialized assessors, contractors, and animal care providers. BCU coordinates the full process.

Related Practice Groups

Does Your Current Coverage Actually Match Your Property?

Land, ranch, and equestrian properties are usually under-insured. BCU can tell you whether that is the case and what to do about it.