Does Ramble cover more than MusicPro?

No. The policy wording is the same, so the coverage is the same. The difference is how your gear gets onto the policy and how you manage it afterward.

Do Ramble and MusicPro cost the same?

Both publish a $175 minimum annual premium and a $100 minimum deductible per claim, and neither requires an association membership for its rates. Ramble adds a $10 fee. Above the minimum, each prices on the total value you insure.

Why choose Ramble over MusicPro?

Choose Ramble if you don't want to build the itemized list yourself. Send photos, text, a voice note, a spreadsheet, or a forwarded receipt and we catalog it for you, or hand the whole collection to our concierge team. MusicPro works from a list you compile yourself, by online form or Excel sheet.

Can I move my MusicPro equipment list to Ramble?

Yes. Send the Excel sheet, or any copy of the list, to Ramble's chat uploader and it builds your collection from it. Keep your MusicPro policy until your Ramble application is approved, which takes one business day or less, then cancel MusicPro.

Can I move from Ramble to MusicPro without a gap?

Yes. Enter your gear on MusicPro and wait until that policy is in force, then contact Ramble to cancel your Ramble policy.

Does MusicPro cover computers and laptops?

Yes. MusicPro's published coverage details list computer hardware and software alongside instruments and recording equipment, as do ours.

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.

Ramble vs. MusicPro insurance.

Ramble and MusicPro are separate programs with the same policy wording: Bolton Street Programs administers both, with the same underwriting team, so the coverage is the same. They differ in how your gear gets onto the policy and in how you manage it afterward, and both start at $175 a year.

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 HOW THEY RELATE

Same administrator, underwriting team, and policy wording.

Bolton Street Programs, a specialty program manager, administers both Ramble's insurance program and MusicPro. The same underwriting team stands behind both programs, and both use the same policy wording, so the coverage is the same.

They are separate programs, not one company under two names. MusicPro has insured music professionals since 2000 and covers more than 11,000 of them. Ramble is the newer program.

Both publish a $175 minimum annual premium and a $100 minimum deductible per claim, cover professional use worldwide, and charge everyone the same rates, with no association membership. Ramble adds a $10 fee.

Head to head

How gear gets onto each policy.

Based on each program's published materials as of September 2026.

How gear gets onto each policy.
MusicPro policies	Ramble policies
You type the itemized list, by online form or Excel sheet	The chat uploader writes the list from photos, text, voice, or a spreadsheet
No way to add gear from a receipt	Forward a receipt and the gear is added to your collection
No concierge cataloging	Ramble's team catalogs a whole collection for you, at no charge
Quote follows once the whole list is entered	Quote appears during the application
An equipment list, without photos or folders	A collection with photos, folders, and its total value

MusicPro policies
You type the itemized list, by online form or Excel sheet
Ramble policies
The chat uploader writes the list from photos, text, voice, or a spreadsheet
MusicPro policies
No way to add gear from a receipt
Ramble policies
Forward a receipt and the gear is added to your collection
MusicPro policies
No concierge cataloging
Ramble policies
Ramble's team catalogs a whole collection for you, at no charge
MusicPro policies
Quote follows once the whole list is entered
Ramble policies
Quote appears during the application
MusicPro policies
An equipment list, without photos or folders
Ramble policies
A collection with photos, folders, and its total value

02 WHAT DIFFERS

How your gear gets onto the policy.

Both policies insure an itemized list of your gear. On MusicPro, you type that list into an online form or fill in its downloadable Excel sheet, and the quote follows once the list is entered.

On Ramble, the chat uploader writes the list for you. Send it photos, a plain-language list, a voice note, a screenshot, or a spreadsheet, including the one you keep for MusicPro, and it identifies each item, researches its value, and builds your itemized collection. You can also forward a receipt to receipts@therambleco.com, and the gear is added to your collection. If you'd rather not do any of it, our concierge team catalogs the whole collection for you at no charge.

Cataloging doesn't put gear on cover. You apply for the items you pick, your quote appears during the application, and approval takes one business day or less.

03 AFTER THE POLICY STARTS

Managing your gear and filing a claim.

Both programs let you update your gear online and charge or refund the pro-rated difference when it changes.

On MusicPro, you update an equipment list. On Ramble, you update the collection you cataloged: each item has its photos, details, and declared value, organized into folders, with the collection's total value and its insured items marked. To change your coverage, edit the collection and resubmit it.

You file a Ramble claim in the app, and the photos already in your collection go into the claim. A specialty claims team handles it, and once it's approved, payment by check online can arrive in as little as 24 to 48 hours.

04 WHO EACH SUITS

Which program fits you.

MusicPro suits you if you already keep a spreadsheet of your gear and are happy to maintain it, or if you also need studio liability or special event coverage, which MusicPro writes and Ramble doesn't. It also has the longer track record.

Ramble suits you if your gear has never been itemized and building the list is what has kept you from getting covered, or if you want your gear in an app with photos and values. It starts at $175 a year plus a $10 fee.

05 SWITCHING

How to move from MusicPro to Ramble without a gap.

Keep your MusicPro policy in force until Ramble approves your application, then cancel it.

Send your MusicPro equipment list to the chat uploader. The Excel sheet works, and so do photos or a typed list. You can also ask our concierge team to catalog it.
Check the items and values in your collection, then apply for the items you want covered. Your quote appears during the application.
Wait for approval, which takes one business day or less. Your gear isn't covered by Ramble until then.
After you're approved, cancel your MusicPro policy. Ask MusicPro whether it refunds the unused part of your term.

FAQ