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.

Music gear insurance.

Music gear insurance is a standalone policy that covers your instruments and equipment against theft, loss, and accidental damage, anywhere in the world and including paid work. At Ramble it starts at $175 a year with a $100 deductible, for collectors, touring players, studio musicians, and more, on the road, in the studio, and at home.

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

Administered by

Capacity from

Claims handled by

In partnership with

01 WHAT IT IS

One policy for everything that makes music.

Music gear insurance is specialty coverage (technically, commercial inland marine insurance) built for property that moves. Guitars, synths, violins, drum kits, DJ rigs, mic lockers, and the computers that run your sessions can all live on a single Ramble policy, each insured at the value you declare.

Coverage is worldwide and all-risk: theft, accidental breakage, fire, water and flood damage, vandalism, damage in transit, and even mysterious disappearance are covered, subject to policy terms.

Supplemental coverages come standard too. If a covered loss puts an instrument in the shop, rental reimbursement covers a substitute at up to $2,500 a day (up to $25,000) with no deductible on the reimbursement, and newly acquired gear is automatically covered up to $25,000 for 30 days, before you've even added it to your collection.

Policies start at $175 a year with a $100 minimum deductible per claim, not per item.

02 HOW IT WORKS

Chat your gear, get a quote in minutes.

There's no itemized application form. Send Ramble's chat uploader photos, a spreadsheet, a plain-text list, or just talk to it with voice-to-text, and it identifies your gear, researches the details and values, and builds your itemized collection for you.

From there, applying takes a few quick questions: pick what to cover, confirm your details, choose a deductible, and your quote appears immediately. The whole application happens in one sitting, in any of the 50 states, with approval in one business day or less.

And if you'd rather not lift a finger, our concierge team will happily catalog everything for you.

03 WHO'S BEHIND IT

Veteran underwriting on modern rails.

Ramble's program is administered by Bolton Street Programs, the specialty program manager behind some of the longest-running musical instrument insurance programs in the country, with capacity supported by the Accelerant Risk Exchange.

Claims are handled by Raphael & Associates, a specialty claims team, with payment by check online as fast as 24 to 48 hours after approval.