Is my computer and DAW rig covered?

Yes. Computer hardware and software are insurable gear categories at Ramble, on the same policy as your instruments and studio equipment.

Is my gear covered during paid sessions?

Yes. Professional use is fully covered: client sessions, paid mixes, and commercial work don't affect your coverage.

What if a mic gets dropped mid-session?

Covered. Accidental breakage is part of the policy, and a mic dropped mid-session is exactly the kind of claim it's built for.

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.

Recording equipment insurance.

Recording equipment insurance covers your interfaces, mics, monitors, consoles, and computers against theft, damage, and loss, including during paid sessions, and at Ramble it starts at $175 a year. The policy is all-risk and covers home studios and commercial rooms alike, including the laptop running the session.

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 EXCLUSION

Every session is 'business use.'

The moment your recording rig earns money (a mixing fee, a session rate, a beat sale), homeowners and renters policies can treat it as business property. Standard policies typically cap musical instruments at around $2,000 unless you add a rider, and the cap on business property is often lower, as little as $200 to $1,500 away from home.

Ramble covers professional use outright, so nothing about paid sessions, client work, or commercial releases changes your coverage.

02 THE WHOLE CHAIN

Mics, consoles, computers, and software.

Ramble insures the full signal chain: microphones, preamps and outboard, consoles, monitors, and computer hardware and software. The laptop or desktop running your DAW is insurable gear on the same policy as the mic locker, which matters because in a modern studio the computer is the studio.

03 ORDINARY DISASTERS

The dropped mic is a valid claim.

A microphone dropped mid-session and shattered is a textbook covered claim. Most studio losses are undramatic: a stand tips, a monitor falls off the meter bridge, a water leak finds the patch bay overnight. All-risk coverage with a $100 minimum deductible per claim means those ordinary disasters get paid, not absorbed.

04 ONE POLICY

The whole studio in one collection.

Photograph the room, list what's in it, or drop in a spreadsheet, and Ramble's chat uploader builds an itemized, valued collection of everything; apply straight from it and the quote is immediate. As the studio evolves, the collection evolves with it: when a new preamp comes in or an old interface sells, update the collection and you're only ever charged or refunded the difference. If cataloging a whole mic locker and outboard rack is the thing you keep putting off, our concierge team will do it for you.

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