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Insurance
Im not sure if this is the right forum
I Just wanted to find out what other people do about harp insurance?
I have contents insurance where i live but recently i have become a bit worried that
- The value of my harp might be over what they would cover or if i had lost a large number of items in my house at the same time replacing everything might not leave enough for a new harp at their max coverage on my policy.
- If I take my harp anywhere else to play it it wont be covered.
If something like theft or fire where to ever happen and i couldn’t get a new harp it might be years before i could afford another. Is there specific insurance out there for this? is it worth it? What do other people do is there any alternatives options I had not thought of?
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9 Replies
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That is a very good question! I never thought about and I really should. Between my sister and I we have a piano and hammered dulcimer (both my sister’s), a violin and harp (both mine).
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@amanda.barnes I have to be honest I had never even heard of a hammered dulcimer until you posted. Beautiful instrument sounds amazing on the youtube videos i looked at.
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The dulcimer is a beautiful instrument. I love the sound!
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Hi everyone,
I have used Anderson Musical Instrument insurance. When I had it the cost was $125.. per year.
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Is that the same as Anderson Insurance through the American Harp Society?
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Yes they offered a discount for AHS members and a discount to pay up front for several years. It ended up being about the same cost without the AHS membership so I figured I might as well enroll in both!
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I use State Farm Insurance. It is $60 a year. i do not know if this varies by state/region etc. The coverage for damage, loss & theft seems good and they will NOT depreciate my harp. However, if I start to play for money (a paying gig!) I will need to expand on the type of insurance I have now. I like it because if someone knocks my harp over, accidently they cover damages. I went in with a long list of questions for the people who write up the policy to get answers.
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@nightthunder Thats a great idea coming up with a list of questions before sounds like the way to go. I will do that and then search around for some quotes.
I will look at @cynthia.anthony suggestion of Anderson and @nightthunder state farm, i doubt they will insure me in the UK but it might give me an idea of what i am searching for and what they cover.
Thank you
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I use Huntington T. Block for my insurance which covers all three of my harps at their market value which is a small fraction of what I paid for them. It’s a little expensive but worth the peace of mind of having it.
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