As careful as we are with our instruments, bad things can happen.
Some people insure their instruments under their home owner's policy.
Be sure to investigate whether this insurance will cover your harp when you take it out of your home, or if you are using it to earn money. Many home insurance policies are quite limited in these areas. Merz-Huber in Swarthmore, Penn has a good reputation and is relatively inexpensive compared to other musical insurance providers. Their musical instrument insurance is available to members of the American String Teacher's Association . The American Harp Society Insurance Program is administered by George B. Bailey Agency.