<p>We have covered this topic several times over the years. I suggest you familiarize yourself with the Search capabilities available, starting with a search on the phrase “instrument insurance” (using the quote marks to search for the phrase rather than individual occurrences of the two words) and limit it to the Music Majors section. That will get you a lot of the collective wisdom on this topic. For more tips on how to search, see violadad’s thread <a href=“http://talk.collegeconfidential.com/music-major/892168-search-tips-other-insights.html[/url]”>http://talk.collegeconfidential.com/music-major/892168-search-tips-other-insights.html</a></p>