How do appreciating values work?

You declare each piece's value and can update it whenever the market moves, then resubmit. Our system detects the change and charges or refunds only the premium difference.

What happens when I sell a piece?

Remove it from your collection and resubmit. We refund the pro-rated difference, down to the $175 minimum.

Is memorabilia covered?

Yes. Memorabilia and collectibles are insurable categories alongside instruments and equipment.

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.

Insurance for gear collectors.

Insurance for gear collectors covers every piece in your collection at the value you declare, worldwide, against theft, damage, and loss, and at Ramble it starts at $175 a year. Your collection is itemized in one place, and as you buy and sell, you're charged or refunded only the pro-rated difference.

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 OUTGROWN

Collections outgrow homeowners riders fast.

The rider approach works for one instrument, maybe two. Past that, it turns into itemization hell: endorsement paperwork per piece, appraisal demands, an agent who has never heard of the thing you're trying to insure, and a schedule that's out of date the week after you file it. Meanwhile the whole collection is appreciating and the coverage isn't.

Ramble was built collection-first: every piece at its own declared value, on one policy, in one dashboard.

02 THE PLATFORM

The collection is the application.

Photograph your gear, drop in a spreadsheet, or just describe what you've got (voice-to-text works too), and Ramble's chat uploader identifies it and builds a valued, itemized collection. The catalog you always meant to make gets made in an afternoon, and it doubles as your insurance schedule. Apply straight from it with an immediate quote, in one sitting. Prefer to hand it off entirely? Our concierge team will catalog the whole collection for you.

03 FLUIDITY

Buy and sell without paperwork.

Collecting means churn, from the trade-up and the impulse grab to the piece you finally let go. Edit your collection and resubmit, and the premium follows: pro-rated charges for what comes in, refunds for what goes out. When a piece appreciates, update its value and only the difference gets charged. No schedule-change request forms, ever.

The impulse grab is covered before you've even cataloged it: newly acquired gear is automatically insured up to $25,000 for 30 days from the day you buy it, so the piece you couldn't walk past is protected on the drive home.

04 BEYOND INSTRUMENTS

Memorabilia and collectibles count.

Ramble's insurable categories go beyond instruments: memorabilia and collectibles, recording gear, sound and lighting equipment, and even camera and video equipment can join the collection. If it's part of what you've built, it can be part of what's protected.

FAQ