Did you purchase the instrument or are you renting it? We are renting DD's Viola because we anticipate that if she likes it (she is just starting this school year) and grows, she will need to be upgraded. With the rental comes insurance (I am sure we are paying for it and the cost is padded into the rental price) but it covers theft, damage, and cleaning or exchanging of any part or the actual instrument if something goes wrong, at school or home or anywhere.