Does this replace our church property insurance?

No. It complements it. Your property policy covers the building; Ramble covers the instruments and AV equipment, including when they leave the building.

Is gear covered at off-site events?

Yes. Coverage is worldwide and follows the gear: youth camps, outdoor services, conferences, and the transit between them.

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.

Instrument insurance for churches & worship teams.

Instrument insurance for churches and worship teams covers sound boards, keyboards, drums, guitars, and PA against theft, fire, and accidents, in the building and when the gear leaves it. It sits on top of your church's property policy and doesn't replace it.

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

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01 THE GAP

Church property policies vs. portable instruments.

A church's property policy is built around the building. The worship team's gear is built to leave it, for youth camps, outdoor services, community events, and the trailer run that hauls the PA to the retreat. That's where property-policy coverage gets thin: off-premises equipment, gear in vehicles, and instruments that live in three places a week.

Ramble's coverage is attached to the gear, not the address. The keyboard is covered in the sanctuary, in the van, and on the festival stage, all on the same policy.

02 REAL PERILS

Fire and water are real church-building risks.

Church buildings face fire and flood like any building. Fire, lightning, wildfire-related losses, and water and flood damage are covered (flood and earth movement carry a separate deductible of 5% of item value). Theft, sadly a regular reality for churches full of accessible equipment, is covered too.

And when a wildfire or flood warning means getting the gear out fast, emergency removal coverage protects it while it's being moved out of harm's way and for up to 10 days after, so evacuating the sound rig never means gambling with it.

03 STEWARDSHIP

Volunteer-friendly management.

Church gear management usually lives in a spreadsheet nobody updates. Ramble replaces it with one shared collection: photograph everything the team owns, or hand over that old spreadsheet, and the chat uploader builds an itemized, valued inventory, with an immediate quote when you apply. When the church buys a new board or retires an old amp, updating the collection takes minutes and the premium only ever moves by the difference. And if nobody on the team has time to catalog it all, our concierge team will do it for you.

04 WHAT IT COVERS

Gear coverage, not general liability.

Ramble insures the equipment itself. General liability for your congregation and premises stays with your church's existing policies. This coverage sits alongside them, filling the portable-equipment gap they weren't designed for.

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