Is my piano covered when it's moved?

Yes. Ramble's coverage is built on inland marine insurance; property in transit is the entire point. Your piano is covered during professional moves, venue transport, and everything in between.

Does coverage include water damage?

Yes. Water and flood damage are covered; flood and earth movement carry a separate deductible equal to 5% of the item's value.

Can I insure a stage piano I gig with?

Yes. Stage pianos, synths, and workstations are covered on the same policy as acoustic instruments, and professional use is fully covered.

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.

Piano insurance.

Piano insurance covers your piano against fire, water, theft, and accidents at home, on stage, and while it's being moved, and at Ramble it starts at $175 a year. One policy covers a grand in the living room, a stage piano in the van, and a studio rig full of synths.

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 FINE PRINT

Read your homeowners policy, then read it again.

Pianos feel like furniture, so people assume the homeowners policy has them handled. A homeowners policy covers a piano for named causes such as fire and burst pipes, but not for accidental damage. Standard policies also typically cap musical instruments at around $2,000 unless you add a rider. And if you teach on it or play paid dates, it can count as business property, which has its own cap.

Ramble insures your piano at its full declared value, professional use included, from $175 a year with a $100 minimum deductible.

02 THE WHOLE FAMILY

One policy, from acoustic grands to stage pianos.

A working keyboard player's life rarely stops at one instrument. The grand at home, the Nord in the gig bag, and the vintage Rhodes in the studio can all live on a single Ramble collection, each piece at its own value, managed from one dashboard.

03 THE KILLERS

Movers, venues, and water damage.

The things that actually destroy pianos are moves and water, like a drop on a stairwell, a burst pipe over the soundboard, or a flooded ground floor. Ramble covers accidental damage, water and flood losses (flood carries a separate deductible of 5% of item value), fire, and theft. If the piano leaves the house for a recital or a new home, it's covered in transit too.

04 NO LOCATION LOCK

Coverage that isn't chained to one address.

Ramble's coverage is worldwide with no location restriction. The same policy protects the piano at home, on stage, and on the truck in between. When you compare policies, ask whether an acoustic piano is covered only at one address.

FAQ