<p>As I believe is discussed on the linked thread, don’t discount using a rider to your homeowner’s insurance. After looking at lots of options, we decided to leave the kids instruments on there for a while longer. Eventually, D3’s will need to change to something else as the plan is that sooner or later someone besides me will be paying her to do this thing. But our homeowners ended up covering dorm/locker situations better than the specialized policies would have.</p>