Just for reference, I got an inside look at what it took to get OSCAR16[1] launched and it isn't like flying :-). Now I don't doubt things are more streamlined now but every launch starts with a basic contract and that contract has to cover everything from contingencies to insurance to liability to disposal.
Trying to search for a boilerplate launch contract I found an article[1] where it discusses that Spaceflight Industries bought a Falcon 9 launcher [emphasis mine] which suggests that one buys the entire rocket. That would imply that if they land it, you still own it does it not? Can you then go over to the landing zone pick up your rocket and resell it for parts to offset your original purchase price? :-)
I am really confident that ownership of the first stage is covered in the launch contract if it is returned to the landing field. And the math there would no doubt be really interesting to an insurance company since you have the possibility that the launch is a success and the first stage lands, the launch is a success and the first stage crashes, the launch effectively fails (second stage failure) but the first stage successfully returns, and both stages are lost. That is a number of different outcomes to insure.
Frankly my mind is boggling at the potential legal complexity here.
[1] https://en.wikipedia.org/wiki/AMSAT-OSCAR_16
[2] "SpaceIL has purchased launch services from Spaceflight Industries; an American space company who recently purchased a SpaceX Falcon 9 launcher and will manifest SpaceIL’s spacecraft as a co-lead spot, " -- http://lunar.xprize.org/press-release/israeli-google-lunar-x...