for music gear.
- In partnership with
- Administered by
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Read the fine print. Your insurance doesn't cover music gear. We do.
we do not cover any musical instrument or related equipment used in any business pursuit, profession, or while played for compensation, regardless of how often
for property used or intended for use in a business while on the residence premises, the maximum amount payable in any one loss is $1,500, including instruments held for delivery after sale
we cover only physical loss caused by a peril listed in this policy, such as fire, theft, or vandalism; accidental breakage from drops or impact is not included
for property used in a business while away from the residence premises, the maximum we will pay is $200 per occurrence regardless of the actual value of the items lost
theft of property while at any other residence, in transit, or away from the residence premises is not covered, including loss from an unattended vehicle without visible evidence of forced entry
flood, including but not limited to surface water, waves, tidal water, or overflow of any body of water, is not covered under this policy regardless of cause
earth movement of any type, including earthquake, volcanic eruption, landslide, or sinkhole, is not covered, regardless of how it occurs
in the event of a covered loss, we will pay no more than the actual cash value of the property less depreciation, and not the cost to replace the item with new
the deductible applicable to any one loss is $1,000, which shall be subtracted from any amount we would otherwise pay you
for electronic data processing equipment, including computers, audio interfaces, and recording or storage media, the maximum payable in any one loss is $5,000 regardless of the actual replacement cost
coverage above the standard sub-limit requires a current professional appraisal updated within the last five years; without one, the standard sub-limit applies
we do not cover any loss where the cause of the loss cannot be identified, including property that has simply disappeared from a known place
Getting your gear cataloged and insured has never been easier.
Just tell our gear assistant what you've got. Then sit back and relax.
Chat with our gear assistant to add your items to your collection in seconds. Give the assistant some photos, a spreadsheet, or just a description of your gear, and it will do the rest.
Or, if you've got good shots of your gear, simply upload photos and let our assistant catalog them for you.
Just upload photos of your collection and let our tech estimate model, value, and condition.
Get an instant quote and approval in minutes.
Submit an application anytime and our team of experts will review it fast during business hours. No back and forth required.
Manage your policy as your needs change.
Buy or sell gear? Add or remove gear from your policy anytime. We'll refund and adjust any difference instantly.
Manage, share, and insure your collection, all in one place.
All risks
Ramble protects against theft, loss, accidental breakage, vandalism, fire, flood, earthquakes, and more.
Global coverage
Your equipment is automatically covered anywhere in the world—at home, in the studio, on the road, as checked airline baggage, or when being shipped.
All gear
We cover any instrument you can imagine, plus recording gear, consoles, mics, sound and lighting equipment, cameras, computers, cables, and more.
Premium support
Our team is always here to help. Real support when you need it, reachable by email or phone—and we know how to pronounce Moog.
Homeowners & Renters insurance have limitations.
makes sure you're protected.Ramble insurance is the only option for serious musicians.
$175 gets you over $13,000 in annual coverage.
We've partnered with D'Addario, one of the most respected names in music, to bring Ramble collection and insurance services to over 600,000 Players Circle members.
Ramble's capacity is supported by the Accelerant Risk Exchange, a modern platform that empowers specialty underwriters through advanced analytics and AI-powered insights.
The Ramble program is administered by Bolton Street Programs, a renowned MGA with decades of experience covering the music industry.