AHS Harp Insurance Program
If you're an active member of the American Harp Society (AHS) and not yet enrolled in the official AHS Harp Insurance Program, it’s easy to get started. Simply submit your completed application to access this exclusive coverage.
The program offers a preferred rate of $0.61 per $100 USD—a value that’s hard to beat.
Not yet a member of AHS? You can join online here or download a membership application directly from their site. Once your membership is active, you’re eligible to apply for AHS Harp Insurance.
Program Highlights
Causes of Loss
“All Risk” Stated Value coverage is provided for your instruments, equipment, and accessories—except for specifically excluded perils.
Valuation Clause
Your coverage is issued on an Stated Value basis, ensuring clarity and confidence at claim time.
Coverage Territory
Worldwide protection—your instruments are covered wherever your music takes you.
📋 Coverage Highlights
🎯 Causes of Loss
“All Risk” Stated Value coverage is provided for your instruments, equipment, and accessories—excluding only specifically named perils.
💎 Valuation Clause
Your coverage is issued on a Stated Value basis, ensuring clarity and confidence at claim time—no surprises, no depreciation.
🌍 Coverage Territory
Worldwide protection—your instruments are covered wherever your music takes you, from concert halls to conservatories.
🏢 Program Administrator & Broker
Anderson Musical Instrument Insurance Solutions, LLC
871 Venetia Bay Blvd, Suite 201
Venice, FL 34285-8049
www.harpinsurance.com
🎼 Rate Per $100 of Insured Value
Pedal Harps: $0.61 per $100 USD of covered value
Lever Harps (AHS Members only): $0.68 per $100 USD of covered value
Underwritten by Hanover Insurance Company. Issued in the State of Ohio. View coverage form.
💰 Minimum Premium
- Pedal Harp Program: $175/year USD ($150 + $25 policy fee) — covers up to $24,590 USD
- Lever Harp Program: $135/year USD ($110 + $25 policy fee) — covers up to $16,246 USD
🛡️ Coverage Notes & Logistics
- 📦 Shipping Coverage: Your harp is insured during shipment by common carrier, provided it’s properly strapped, cushioned, and packed in a container customarily used for harp transport. A $350 deductible applies to common/contract carrier shipments.
- 🎻 Renting Your Harp? Rental harps must receive prior approval from Anderson Group. (Coverage is limited to $1,000 without underwriting approval.) Visit our rental insurance page for full details.
- 🎼 Personal & Professional Use: Coverage includes both at no additional cost.
- 💵 Deductibles: A $250 deductible applies to all perils except common/contract carrier shipments, which carry a $350 deductible.
- ✅ Coverage Activation: Coverage becomes effective upon confirmation of approval and receipt of full payment via Credit Card, Debit Card, ACH, or U.S. Personal Check (discouraged). Click here to pay securely online.
Updating Your Harp Values for Harps Less Than Thirty Years Old
Appraisals are never required for harps under thirty years old. However, we recommend confirming your harp’s value annually with the manufacturer—information is often available on their website.
Coverage Requirements for Harps Over Thirty Years Old or No Longer Manufactured
- A CONDITION appraisal from a credentialed harp maker, appraiser, or repair technician is required. It must note the condition and current market value of the harp. Market value is defined as the price agreed upon by a willing buyer and seller. Even fully restored older harps typically do not command prices comparable to newly manufactured models.
- A copy of your bill of sale and any receipts for prior restorations is requested (unless waived by underwriting).
- We advise against insuring an older harp for more than its realistic resale value. Insurance is designed to reflect market value—not to create excess coverage that may never be used.
🔍 Additional Coverage Details
🚗 Theft from Unlocked Vehicle Exclusion
If your instrument is stored in a vehicle, that vehicle must be locked at all times. Coverage for theft, pilferage, burglary, or robbery is only provided when there are visible signs of forced entry on the vehicle’s exterior or lock.
🛡️ Terrorism Coverage
Coverage for terrorism-related losses is extended under the Terrorism Risk Insurance Act (TRIA)—at no additional charge.
💻 Electronic Equipment & Software
Electronic equipment and software may be added at $0.72 per $100 USD of insured value. This includes audio tools, VST/VSTi plugins, and synch licenses using virtual or hardware dongles. This charge is in addition to your instrument and accessory premium.
🎻 Rental Reimbursement Coverage
Included at no additional charge for covered members of the American Harp Society in good standing. Provides up to $225/month for 12 months following a covered loss—if you do not have an equivalent idle instrument available during repair.
📝 What We Need to Get You Covered
To activate coverage under our Harp Insurance Program, we ask for a few key details—these help us tailor your protection and ensure smooth underwriting. You’ll find these questions on the application form:
- 🎼 Harp experience: A brief overview of the primary user’s playing history
- 🎓 Background: Musical training, performance history, or harp-related education
- 🚚 Transport logistics: Who moves the harp and how it’s transported when away from home
- 🏠 Storage details: Where the harp is kept when not in use—especially while away from your residence
- 🛡️ Responsibility: Who oversees the harp when it’s not being played and away from home
- 📅 Travel frequency: How often your harp is away from your residence
Ready to get started? Click here to request a quote and we’ll take care of the rest.
⚠️ Why Homeowner’s Insurance Falls Short for Harp Protection
- 💸 Limited Coverage: Most homeowner’s policies cap musical instrument coverage at $2,000—far below the value of most harps.
- 🚫 No Business Use: Instruments used in paid performances are often excluded. That’s considered “business use,” and claims may be denied. Anderson Harp Insurance covers casual, professional, and business use—no exceptions.
- 🌊 No Flood Protection: Unless you carry a separate flood policy, homeowner’s insurance won’t cover water damage. We include flood coverage for listed instruments.
- 🌍 No Earthquake Coverage: Earthquake damage is typically excluded—especially for musical instruments.
- 💥 No Impact Coverage: Homeowner’s policies rarely cover breakage from bumping, dropping, or tipping. We do. View our full Harp Policy here.
- 💰 Deductible Differences: Our policies offer deductibles as low as $250. Homeowner’s policies often start at $1,000+.
- 📏 Valuation Matters: We insure harps at Agreed Value. Homeowner’s policies typically use Actual Cash Value (replacement cost minus depreciation)—a major gap for high-quality instruments.
- 📦 Coverage C Conflict: Including your harp under Personal Property (Coverage C) may reduce protection for other essentials like furniture, appliances, and electronics.