Is my gear covered while it's stored at the church?

Yes. Coverage follows your gear, not your address, so it's covered at the church, at home, and in transit, including against theft.

I get a stipend from the church. Does that cause problems?

Not with Ramble. Professional use is fully covered, so a stipend or staff position never affects your gear coverage. It's homeowners and renters policies that can treat gear used in a paid role as business property and cap what they pay for it.

What about the gear the church owns?

Church-owned equipment belongs on the church's own policy, which we also write. See our church and worship team page for that side of it.

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.

Gear insurance for worship musicians.

Gear insurance for worship musicians covers your own guitars, keys, pedalboard, and in-ears at church, at home, and in between, and at Ramble it starts at $175 a year. A stipend or staff role doesn't affect the coverage, because professional use is covered.

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 GAP

Your gear falls between two policies.

The church's property policy covers the church's property, not the volunteer guitarist's Helix rig or the keys player's Nord. Your homeowners or renters policy, meanwhile, covers it only for named causes such as theft, and typically caps musical instruments at around $2,000 unless you add a rider. If there's a stipend involved, the gear can count as business property, with a cap as little as $200 to $1,500 away from home. The gear that serves every Sunday is precisely the gear neither policy is built to replace.

Ramble covers your personal gear as its own thing: worldwide, all-risk, at the values you declare, whether it's at church, at home, or in the car between.

02 THE STIPEND

Paid to lead worship? Still covered.

A worship leader stipend or staff role can make your gear business property under a homeowners policy, and the cap on that gear is often lower than the usual $2,000 instrument cap, as little as $200 to $1,500 away from home. Ramble covers professional use outright, so getting paid to serve never weakens your coverage.

03 LEFT AT CHURCH

Gear that lives at the building between Sundays.

Plenty of worship gear stays at church all week, and churches are unfortunately regular theft targets, full of accessible equipment and open doors. Your gear is covered against theft wherever it sits, including at the church, in the van on the youth trip, and at the offsite Christmas Eve service, subject to policy terms.

04 EASY

Catalog the Sunday rig this week.

Photograph your rig or list it, and Ramble's chat uploader identifies everything from the pedalboard down to the in-ears and builds your valued collection. Apply straight from it with an immediate quote and approval in one business day or less. If the church's own gear needs covering too, that's a separate policy for the church, and we make that one just as easy.

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