Is my kid's instrument covered in a dorm?

Yes. Coverage follows the instrument: dorm rooms, practice rooms, rehearsal halls, and anywhere else campus life takes it.

Is the instrument covered during auditions and summer festivals?

Yes. Coverage is worldwide and includes travel: flights (checked or carry-on), festivals, auditions, and tours.

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.

Student instrument insurance.

Student instrument insurance covers a student's instrument against theft and damage worldwide, in dorms, practice rooms, and on the way to auditions, and at Ramble it starts at $175 a year. One student instrument usually prices at that minimum, whether it's a conservatory violin or a dorm-room recording rig.

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 CAMPUS RISK

Dorms and practice rooms are theft-dense.

A music school campus concentrates thousands of valuable, portable instruments among people who leave doors propped open. Dorm rooms, shared practice rooms, and rehearsal halls are where student instruments actually go missing, and a parent's homeowners policy covers an instrument there only for named causes such as theft, not for a drop or a knock. Standard policies also typically cap musical instruments at around $2,000 unless you add a rider.

Ramble covers the instrument wherever the student is: dorm, practice room, stage, and everywhere between.

02 THE MATH

What a homeowners policy pays for one good student instrument.

A homeowners or renters policy covers the instrument a serious student plays (the step-up violin, the pro-line horn, the conservatory-audition cello) for named causes such as theft and fire, at actual cash value unless the policy adds replacement cost. Standard policies also typically cap musical instruments at around $2,000 unless you add a rider. A drop in a school hallway or a crushed case is accidental damage, which those policies don't cover. A dedicated all-risk policy from $175 a year covers it at the value you declare.

03 THE CIRCUIT

Summer programs, auditions, and travel.

Student musical life is travel, from summer festivals and youth orchestra tours to an audition circuit that crosses four cities in a month. Coverage is worldwide and automatic, including the instrument as checked airline baggage, so the audition trip is stressful for exactly one reason, the way it should be.

04 EASY

Set it up in one evening.

A parent can do the whole thing after dinner: photograph the instrument or just describe it, let the chat uploader identify and value it, then apply straight from the collection with an immediate quote. When the student upgrades instruments, update the collection and resubmit; the new instrument is covered for the pro-rated difference and the old one's unused coverage is refunded.

FAQ