Is my flute covered against theft while traveling?

Yes. Theft is covered worldwide (hotels, transit, venues, vehicles), and your flute is covered as checked airline baggage too.

Can I insure headjoints separately?

Yes. Each headjoint is its own item in your collection with its own declared value, insured alongside the flute itself.

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.

Flute insurance.

Flute insurance covers your flutes and piccolos at their declared value against theft and damage anywhere in the world, and at Ramble it starts at $175 a year with a $100 deductible. That includes silver, gold, and platinum instruments, and you can insure each headjoint as its own item.

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 TARGET

Five figures in a handbag-sized case.

Handmade flutes are built from solid silver, gold, and sometimes platinum, so a five-figure instrument fits in a case the size of a handbag. That combination of high value and easy portability makes theft the biggest risk flute players face.

Ramble covers theft everywhere the flute goes (home, hall, transit, hotel) plus accidental damage, fire, water, and even mysterious disappearance, subject to policy terms.

02 VALUES

Declared values, updated any time.

Handmade flutes hold and grow value, and metal prices move underneath them. Declare your flute's value when you add it to your collection and update it whenever an appraisal or the market changes the number, then resubmit; only the premium difference is charged or refunded.

03 IT TRAVELS

Conservatory, orchestra, and travel.

Coverage is worldwide and automatic, following the flute through the conservatory practice room, the orchestra tour, the summer festival, the audition circuit, and the flights between them, including as checked baggage. Professional use is fully covered, so the working half of a flutist's life never voids the insured half.

04 THE KIT

Headjoints and piccolos count too.

Serious flutists collect headjoints the way guitarists collect pedals, and a good piccolo is its own investment. Each headjoint, piccolo, and case can be added to your collection at its own declared value, insured individually on one policy.

FAQ