Most customers include M/R with their rental to cover repair costs while renting. It also protects you in the event of loss of the instrument due to fire or theft. 5 GREAT REASONS TO INCLUDE M/R: Periodic repairs & adjustments are required on most instruments. The cost of a repair can often exceed the cost of a year's worth of M/R. You may cancel the M/R at any time, however it can only be added at the beginning of your rental. Homeowner's insurance does not usually cover the instrument. Without M/R, you are financially responsible for loss, theft, damage to or destruction of the instrument.