Is my gear covered when I teach at schools or students' homes?

Yes. Coverage follows the gear, not an address, so lessons at schools, students' homes, and rented studios are all covered.

What if a student damages my instrument?

Covered. Accidental damage is part of the policy regardless of whose hands caused it, with a $100 minimum deductible per claim.

Does this include liability insurance for my teaching?

No. Ramble covers your instruments and equipment. Liability coverage for your teaching practice is a separate line you'd carry elsewhere.

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.

Instrument insurance for music teachers.

Instrument insurance for music teachers covers your instruments and equipment at full declared value, including professional use, damage caused by students, and lessons away from home, and at Ramble it starts at $175 a year. It covers the equipment only; liability for your teaching practice is a separate policy.

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 TRIGGER

Teaching income changes everything.

Lesson income can turn your instruments into business property in the eyes of a homeowners or renters policy. Standard policies typically cap musical instruments at around $2,000 unless you add a rider, and the cap on gear used for paid work is often lower, as little as $200 to $1,500 away from home. Running a studio out of your home can complicate the whole homeowners relationship, and gear carried to schools and students' houses falls under the lower away-from-home cap. Teachers sit squarely in the gap.

Ramble covers professional use outright, so teaching full-time, part-time, at home, or on the road never weakens the coverage.

02 STUDENTS

Student accidents are accidents.

Every teacher eventually watches a student knock something over. A keyboard goes off its stand, a bow gets stepped on, a rented hall's piano bench meets a backpack. Accidental damage is covered with a $100 minimum deductible per claim, and student handling is treated as the ordinary reality of teaching, not negligence.

03 THE CAP

Full declared value, not a token add-on.

If your gear is insured through an add-on to a teaching liability policy, check its limit for all your gear combined. One decent piano, cello, or keyboard rig can cost more than a few thousand dollars on its own. Ramble insures every piece at its full declared value with no cap on how much gear you can cover, from $175 a year.

04 EASY

Set up between lessons.

Photograph or list your instruments and teaching gear, and Ramble's chat uploader builds your itemized, valued collection. Apply straight from it with an immediate quote and approval in one business day or less, and our concierge team will do the cataloging for you if your schedule is already full.

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