Are my bows covered separately?

Yes. Each bow is added to your collection at its own declared value and insured individually; a damaged bow is its own claim, not a footnote to the violin.

Is my violin covered in the orchestra pit and on tour?

Yes. Coverage is worldwide and includes professional use, so you're covered at rehearsals, at performances, on tour, and while traveling between them.

What about my case and accessories?

Cases and accessories can be insured alongside your instrument as part of your collection, each at its declared value.

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.

Violin insurance.

Violin insurance covers your violin and bows against theft, accidental damage, and loss anywhere in the world, and at Ramble it starts at $175 a year with a $100 deductible. It's for students, orchestral musicians, and collectors, and the coverage follows you from the practice room to the pit.

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 WHY SPECIALISTS

Enormous value in fragile wood.

A fine violin concentrates more value per gram than almost any other object a person carries daily, and it's made of thin spruce and maple held together by hide glue. The loss scenarios are specific (seam splits, soundpost cracks, a case latch that fails at the wrong moment) and generalist policies handle them badly.

Ramble writes all-risk inland marine coverage, the class of insurance built for exactly this: high-value, portable, fragile property. Theft, accidental damage, fire, water, transit losses, and even mysterious disappearance are covered, subject to policy terms.

02 THE FULL KIT

Bows, cases, and accessories count too.

A serious bow is an instrument in its own right, and a good case is not cheap. Everything in your kit (violin, bows, case, shoulder rest, the lot) can live on your Ramble collection at its own declared value. If a bow tip snaps or the case is crushed in transit, each piece is insured individually rather than lumped into a vague total.

03 MADE WHOLE

Lost value after a repair is covered.

String players know the hard truth about repairs: a violin with a repaired soundpost crack is worth permanently less than the same violin without one, even when the work is flawless. Ramble's diminished value coverage pays the difference between the instrument's pre-loss value and its post-repair market value, as determined by an independent certified appraiser, so a good repair doesn't cost you thousands at resale.

And while the repair happens, rental reimbursement covers a substitute instrument at up to $2,500 a day (up to $25,000 per occurrence), with no deductible on the reimbursement, so the season doesn't stop for the shop.

04 IT TRAVELS

Coverage travels: orchestra, tour, or conservatory.

Coverage is worldwide and automatic, so your violin is covered in the pit, in the practice room, at the summer festival across an ocean, and on the flight in between, including as checked airline baggage. If you're auditioning across three cities in one week, the policy is the one piece of your kit you don't have to think about.

05 GETTING COVERED

Cataloged and applied in one sitting.

Photograph your violin and bows, or simply describe them, and Ramble's chat uploader will get your gear cataloged right away. There are no paper applications and no agent callbacks; apply straight from your collection with an immediate quote, from $175 a year.

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