Whichever insurance company you go with, but in particular if you use your homeowners policy to insure your harp too, make absolutely sure that it is covered for fire, theft, AND ACCIDENTAL DAMAGE. Many homeowners agents will tell you the harp is completely covered, which to them means fire and theft. Also, make sure it is a floating policy, meaning it covers the instrument wherever it is(in the car, at church, etc.).
But I still don’t like using any company that doesn’t specialize in musical instrument insurance. An agency that specializes in musical instrument insurance knows that, if there is a legitimate claim, the instrument’s owner probably has a repairman or company that they are confident in and will want to send the instrument there. A homeowners agent may ask for 3 different bids on the repair work and then will only pay for the cheapest one. They also ask for the most hairbrained information. I repaired an instrument years ago for someone whose harp was insured on her homeowners policy. The agent asked me for an itemized list of materials and cost(how many screws and cost? How much finish and cost? Cost of wood used, etc.). Idiotic questions. So I strongly advise everyone to buy a policy from an agency that regularly insures musical instruments, and even then read the policy carefully.
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