<p>sbjdorlo: The policies we have had cover a certain dollar amount for the base premium, so you can throw in whatever you want to insure within the limit. We added mouthpieces, ligatures, case etc. (One of the happiest days of my life was when D walked away from the cello in the 4th grade! clarinets are relatively cheap).
turnerhome5: I would call Clarion. I asked them that same question in May 2011 and was told they do not cover theft from student lockers unless the lockers are in a fairly secure location or under surveillance. Maybe they have changed.</p>