How do I insure a vintage guitar that's appreciating?

Declare its current market value when you add it to your collection, and update that value any time the market moves, then resubmit. Our system detects the change and charges or refunds only the premium difference.

Do I need an appraisal to get coverage?

Appraisals are not required to get started; you declare values digitally and apply online. Existing appraisals are useful documentation for high-value instruments, but they don't hold up your coverage.

Is my vintage guitar covered at shows and dealers?

Yes. Coverage is worldwide and follows the instrument to guitar shows, dealer consignment visits, gigs, and the transit in between, subject to policy terms.

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.

Vintage guitar insurance.

Vintage guitar insurance covers an appreciating guitar at the value you declare, worldwide, against theft, damage, and loss, and at Ramble it starts at $175 a year with no appraisal needed to get started. You can insure your '59 burst, gold-top, or pre-CBS Strat and update its value whenever the market moves.

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 THE PROBLEM

Vintage values break normal insurance.

Standard property insurance thinks in terms of depreciation: "actual cash value" that shrinks as an item ages. Vintage guitars do the opposite. Gibson shipped fewer than 2,000 sunburst Les Paul Standards between 1958 and 1960, and clean examples now trade for hundreds of thousands of dollars. A payout calculated like a used couch would be an insult.

Ramble insures vintage instruments at the value you declare, so the number on your policy reflects what the instrument is actually worth in today's market, not what an adjuster's depreciation table says. And because a repaired headstock break permanently discounts a collector-grade instrument no matter how clean the work is, diminished value coverage pays the difference between the pre-loss value and the post-repair market value, subject to policy terms.

02 UPDATING VALUES

Update values as the market moves.

The vintage market doesn't hold still, and neither should your coverage. When your guitar appreciates, edit its value in your Ramble collection and resubmit to cover at the new value. If a value comes down or you sell, submit the change and you'll be refunded the premium difference.

There are no schedule-change request forms. Edit the value in your collection and resubmit, and the policy is updated to match.

03 NO HOOPS

No appraisal hoops to jump through.

Some specialty insurers require a formal appraisal before they'll bind a higher-value instrument, often once it's worth more than a few thousand dollars. With Ramble you declare values digitally, get a quote immediately from your chat-uploaded collection, and apply in one sitting. Keep your appraisals for your own records. They help if you ever make a claim, but you don't need one before coverage starts. And if you'd rather have someone else do the cataloging, our concierge team will happily handle it for you.

04 PLAYERS TOO

Collector-grade security for players who still gig them.

Plenty of vintage instruments still work for a living. Ramble's coverage is worldwide and all-risk: the '64 Jazzmaster is covered hanging on the wall, on stage, in the van, and in a checked flight case. Professional use is fully covered, so playing your collection never voids protecting it.

FAQ