PROPERTY & ESTATE RISK

Insurance for the Homes That Hold Your Life.

The home on the lake. The residence in town. The one under construction. Each carries its own value, its own exposure, and its own standard of care. BCU advises on all of them, together.

A Single Program Across Every Residence.

Most successful families own more than one home. Insurance needs to extend beyond a primary residence to include a secondary property for weekends or summers, and sometimes a third in a different climate entirely. Each of those homes tends to get insured separately, often through a different carrier, often with different deductibles and different levels of scrutiny.

BCU pulls all of it into one coordinated property program. We review every residence at once, identify the gaps between them, and build a structure that treats the portfolio as a whole rather than as a stack of unrelated policies.

What a BCU property program addresses

• Primary and secondary residences across all fifty states and around the globe. 
• Catastrophe-exposed properties including wildfire zones, coastal hurricane zones, and flood-exposed properties
• Builder's risk coverage for ground-up construction and major renovations
• Valuation strategy and reconstruction cost analysis so rebuild limits match real-world construction costs
• Water damage, fire protection, electrical, and climate-related mitigation planning
• Contents coverage for furnishings, antiques, and built-in features
  

Built for Homes That Do Not Fit a Standard Policy.

Standard homeowners insurance is designed for standard homes. The coverage stops being adequate somewhere around the point where replacement cost exceeds what a typical carrier is willing to underwrite, or where the property sits in a zone the standard market has started to exit. That is where BCU begins.

Most Property & Estate Risk clients fall into one of these categories

• Multi-property households with primary and secondary residences
• Real estate owners managing a portfolio of personal or LLC-held homes
• Families with homes in wildfire, coastal, or flood-exposed regions
• Owners building or renovating a high-end property with active builder's risk exposure
• Clients whose current carrier is non-renewing or tightening terms on a specific property
  

Thirty Years of Private Client Property Experience.

Review

We start by cataloging every residence, every existing policy, and every exposure. You see the full picture in one document for the first time.

Design

We design a coordinated program across carriers and coverages. Where one property needs a specialist carrier and another does not, we build the program accordingly.

Advocate

When a claim happens, we handle it. Concierge disaster remediation and claims support are part of what BCU does, not a separate service.

Related Practice Groups

Every Home in One Conversation.

Send us the policies you have. We will read them, flag what we see, and tell you what a coordinated program would look like. No cost, no obligation.