Signature Harp Insurance Programs by Anderson

🚫 Why Homeowner’s Insurance Isn’t Enough for Harpists

Let’s be honest: harps are magnificent, delicate, and expensive—and they deserve more than a generic homeowner’s policy. Yet many harpists still rely on coverage that wasn’t designed for instruments at all. Here’s why that’s risky business:

• 💸 Coverage Caps: Most homeowner’s policies limit musical instrument coverage to ~$2,000—especially if you earn income from performing.
  If your harp is worth more than that (and it probably is), it’s time to upgrade.
• 🎭 No Business Use Allowed: Instruments used in paid performances are often excluded.
  Anderson covers casual, professional, and business use—no exceptions.
• 🌊 Unless you carry a separate flood policy, your harp isn’t covered.
  Anderson includes flood coverage for itemized instruments.
• 🌎 Most homeowner’s policies exclude earth movement entirely.
  Anderson includes earthquake coverage—because tremors happen.
• 🐾 Household pets, curious toddlers, and gravity itself aren’t covered.
  Breakage from bumping, falling, or cracking?
  And homeowner’s adjusters often assess value only after the damage is done.
• 📌 Anderson insures your harp for its full itemized value—not depreciated cash value.
  Most homeowner’s policies settle claims on Actual Cash Value (replacement cost minus depreciation).
• 📉 Harps often appreciate in value.
  Ask your homeowner’s agent for written confirmation of coverage—before you find out the hard way.

🎯 Bottom line: Your harp is not just furniture—it’s your voice, your livelihood, your legacy.
Protect it with a policy that understands what it means to be a harpist.
Explore Anderson’s Signature Harp Insurance Program today.