Is my guitar covered if the headstock breaks?

Yes. Accidental breakage from drops, tip-overs, and impacts is covered. A snapped headstock from an accident is exactly the kind of claim the policy is built for, subject to policy terms.

Does guitar insurance cover theft from my car?

Yes. Theft from your car, van, or trailer is covered, along with theft from your home, a venue, or a storage unit.

Can I insure multiple guitars on one policy?

Yes. Your whole collection lives on a single policy, each guitar at its own declared value, and you can add or remove instruments any time; you're only ever charged or refunded the pro-rated difference.

Are amps, basses, and pedals covered too?

Yes. Bass guitars, amps, cabinets, and pedals go on the same policy as your guitars, each at its own declared value.

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.

Guitar insurance.

Guitar insurance covers your guitars against theft, loss, and accidental damage, such as a cracked headstock, anywhere in the world; at Ramble it costs from $175 a year with a $100 deductible. That includes theft from the tour van and a case the airline loses, and the application takes minutes.

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

What guitar insurance covers that homeowners won't.

Homeowners and renters policies cover a guitar only for named causes such as theft and fire, so a drop or a knock isn't covered. They also 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 for both.

A Ramble policy is the opposite: every guitar is insured at the value you declare, professional use is fully covered, and coverage follows the instrument everywhere: home, venue, van, checked baggage, storage unit, or a friend's studio.

02 ACCIDENTS

Headstock breaks, dings, and drops are covered.

Headstocks snap on a tip-over, straps let go mid-set, cases get dropped at load-out. Fortunately, accidental breakage from drops and impacts is squarely covered in a Ramble policy.

With a $100 minimum deductible per claim, a broken headstock costs you the deductible, not the repair bill.

03 GETTING COVERED

How to get your guitars covered.

Ramble's chat uploader recognizes your guitars from photos, a typed list, a spreadsheet, or a voice note, researches the details and values, and builds your collection for you. Apply straight from it, answer a few short questions, and the quote is immediate. There's no itemized form to fill in, no appraisal requirement, and no agent to wait for.

04 ON THE ROAD

Gigging and touring with guitars.

Theft from vehicles and trailers is covered. So are checked-baggage disasters, hotel-room thefts, and gear stolen from the venue between soundcheck and set. Wherever the gig takes your guitars, the policy is already there; coverage is worldwide and travels automatically.

FAQ