Frequently asked questions.

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.

If you experience a loss, please go through the claim submission flow in the Ramble insurance dashboard. We should be able to collect all necessary info there, including descriptions of the event, and photos of damaged or lost items. Your claim will be handled by Raphael & Associates, a specialty claims team that works with our program. Processing times may vary depending on the nature of the loss, but both our teams will be reachable by phone or email at any time. Once your claim is approved, payment can be issued as quickly as 24-48 hours by check online.

Ramble is a specialized insurance brokerage and team of techies dead set on making the lives of musicians easier. We are a licensed brokerage in all 50 states and we built our platform from scratch, with love.

Ramble writes commercial inland marine insurance, a specialized class of coverage designed to protect movable property and goods in transit. Inland marine policies are the gold standard for insuring high-value portable assets like musical instruments—they offer broader, more flexible protection than standard homeowners or renters policies. Feel free to look into it—we think you’ll like what you find.

Yes. You pick exactly which items go on the policy, so you can cover the three instruments that actually leave the house and leave the rest off. Add or remove items later and we'll only charge or refund the difference. The $175 annual minimum applies no matter how small the selection is.

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.

Tell us and we'll handle it. Our concierge team will catalog the whole thing for you, working from a spreadsheet, an old appraisal, or a pile of photos. Large collections are the ones most likely to be under-covered by a homeowners policy, so we'd rather look at yours properly than have you rush through a form.

Everywhere, and in any way that it moves. Your equipment is automatically protected globally—at home, in the studio, on the road, at a gig, in your car/trailer, in a storage unit, etc. And your gear is even covered as checked airline baggage or when being shipped.

Homeowners and renters policies cover musical instruments only for named causes such as theft and fire, so a drop, a knock or a spill isn't covered, at home or on the road. Standard homeowners and renters policies typically cap musical instruments at around $2,000 unless you add a rider. If you play for pay, the cap on that gear is often lower, as little as $200 to $1,500 away from home. Check your own policy's wording. Itemizing and endorsing your gear can be quite a hassle, and claims are often difficult due to high deductibles and underwriters who fail to understand the nuances of your gear. Ramble is purpose-built to protect against all these gaps in coverage, making managing your collection and policy simple and fun.

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.

Ramble's program is administered and underwritten on a delegated basis by Bolton Street Programs, a specialty program manager. The company's capacity is supported by the Accelerant Risk Exchange.

No problem, just update the gear list in your dashboard and we'll automatically refund you for whatever coverage you no longer need.

Hopefully it just became even more collectible! If you need to update the value of an insured item at any point, simply edit that piece of gear on your collection page and resubmit an application—whether for just that item or your entire collection. Our system will detect the change and only charge (or refund) the difference in premium. Easy as that.

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.

You can choose $100, $250, $500, $1,000, or $2,500, and it applies per claim rather than per instrument. A higher deductible lowers your premium, from roughly 5% at $250 up to 25% at $2,500. If your collection prices out at the $175 minimum, the deductible won't change what you pay, because the premium is already at the floor.

No, they're optional. You can type one in when you add an item, and it helps if you ever need to prove ownership after a theft, but nothing captures them for you automatically and no application is held up for missing them.

Yes! Your gear is covered worldwide, including as checked airline baggage and as a carry-on. Fly to the gig without a second thought.

Yes! Unlike homeowners and renters policies, which cap gear used for paid work, Ramble covers your gear whether you play for fun or for a living. Gig, record, and get paid—you're covered.

Yes! Your gear is covered on the road, including in your vehicle and trailer—even theft from a vehicle. If something happens, we'll always walk through the details with you.

Yes! Ramble is built on inland marine coverage—the gold standard for property in transit—so your gear is protected while it's being shipped.

Yes! Theft is covered—from your home, a venue, your vehicle, a trailer, or a storage unit.

Yes! Flood and water damage are covered. (Flood and earth movement carry a separate deductible equal to 5% of the item's value.)

Yes! Even “mysterious disappearance”—the bass left on a train, the pedal that vanished after the show—is covered.

Yes! If a covered loss puts your gear in the shop and you rent a substitute, we reimburse the rental cost, up to $2,500 a day and $25,000 per occurrence, with no deductible on that reimbursement. The gig doesn't stop while the repair happens.

You're covered for that too. Even a perfect repair can leave a fine instrument worth less than before the loss, so our diminished value coverage pays the difference between the pre-loss value and the post-repair market value, as determined by an independent certified appraiser, subject to policy terms.

Yes! At home, in the studio, at the venue—anywhere you create, your gear is protected.

Yes! On stage, in the van, in the trailer, at the hotel, or in transit between cities—touring is exactly what we built this for.

Yes! Gear kept off-site in a storage unit is covered, just like it is at home.

Yes! Accidental breakage from drops and impacts is covered—the cracked headstock, the dropped mic, the tumbled pedalboard. Accidents happen; that's the whole point.

Yes! Fire, lightning, and wildfire-related losses are all covered.

Yes! Earthquakes and earth movement are covered, with a separate deductible equal to 5% of the item's value.

Yes! Coverage is worldwide and travels with your gear automatically, wherever you go.

Yes! Newly acquired gear is automatically covered up to $25,000 for 30 days from the day you get it, so it's protected before you've even added it to your collection. Instruments you borrow or rent are covered up to $25,000 too; just let us know within 48 hours of borrowing.