Are dents and slide damage covered?

Yes. Accidental damage from dents, drops, and impacts is covered, subject to policy terms. Normal wear like valve wear, lacquer aging, and slide grime isn't insurable, which is true of any policy.

Are mouthpieces and mutes covered too?

Yes. Accessories live in your collection alongside the instruments, each at its own declared value, and a serious mouthpiece collection adds up faster than most players expect.

Is my horn covered on a marching or brass band gig?

Yes. Professional and ensemble use is fully covered, and coverage follows the instrument to rehearsals, parades, and performances worldwide.

What does Ramble insurance cover?

Ramble provides worldwide, all-risk coverage for musical instruments and related equipment. You're protected against theft, accidental breakage, fire, lightning, water or flood damage, vandalism, damage caused by vehicles, and even mysterious disappearance, subject to policy terms.

How much does Ramble insurance cost?

Policies start at $175 a year. Above that, the premium scales with your collection's total insured value, the deductible you pick, and the mix of gear, since instruments, computer equipment, and general business property are each rated differently. You'll see your exact number during the application, before you pay anything.

What is the deductible?

The policy has a low $100 minimum deductible per claim (not per item). Flood and Earth Movement have a separate deductible equal to 5% of the item value.

How do I get a quote, and how long does it take?

First you catalog your gear, by uploading photos, typing or talking through what you own, or dropping in a spreadsheet. Then you start an application, pick the items you want covered, and answer a short form. Your quote appears immediately, and you can pay right there. Most applications are approved in one business day or less.

Brass instrument insurance.

Brass instrument insurance covers trumpets, trombones, French horns, and tubas against dents, drops, and theft worldwide, and at Ramble it starts at $175 a year with a $100 deductible. Dents and drops are the losses brass players take most often, and the policy covers them as accidental damage.

Price: From $175 a year, plus a $10 fee
Deductible: $100 per claim, not per item
Coverage: Worldwide, all-risk, professional use included
Approval: One business day or less
Claims: Paid by check online as fast as 24–48 hours after approval

Administered by

Capacity from

Claims handled by

In partnership with

01 THE DENT

Dents are the brass player's claim.

Brass instruments fail by geometry. A bell is thin metal holding a precise shape, so a stand tip-over, a case dropped at load-in, or a music stand swung at the wrong moment turns into a dent that changes how the horn plays. French horn bells are famously thin and famously expensive to roll back out, and a bent trombone slide can put the instrument out of commission entirely.

Accidental damage from dents, drops, and impacts is covered under a Ramble policy, with a $100 minimum deductible per claim, so a repair bill goes to the insurer instead of eating the month's gig money.

02 THE VALUES

Pro brass costs more than people assume.

A professional C trumpet runs well into four figures, a handmade horn like a Monette runs five, an Alexander 103 double horn lands north of $10,000, and a professional tuba can quietly pass $30,000 while being the hardest instrument in the section to transport. Declare each instrument's value in your Ramble collection, mouthpieces and mutes included, and update it whenever the market or an appraisal says so; resubmit and only the premium difference is charged or refunded.

03 ON THE MOVE

Covered in the pit, the parade, and the van.

Professional use is fully covered, whether the horn works a pit chair, a brass band, a salsa section, or a wedding gig, and coverage is worldwide, including theft from vehicles and the instrument as checked airline baggage. A tuba in a hatchback and a trumpet in an overhead bin are both just Tuesday, and the policy treats them that way.

04 EASY

The whole section, cataloged in minutes.

Photograph your horns or just list them, and Ramble's chat uploader identifies each one and builds your itemized, valued collection. Apply straight from the collection, answer a few quick questions, and your quote appears immediately, with approval in one business day or less. If you'd rather hand it all off, our concierge team will catalog everything for you.

FAQ