I'm mainly thinking "audio input / output" right now (think guitar amps and effect racks, not living room hi-fi stuff).. Normally no problem, but if someone plugs something in the wrong place, or something blows its mind, then the shit can really hit the fan.
That is not a crowbar circuit you are describing, that is AC overvoltage protection...
Audio inputs are relatively easy to protect: Use a pair of suitably high voltage zener diodes back-to-back, chosen so they are not conducting for any reasonable, expected audio input signal. The audio input impedance of most preamp/line-in circuits is very high, thousands of Ohm, and line-in typically has an input impedance of about 10K or more. So a relatively large, series resistance usually doesn't influence the signal much at all.
You could use a combination of a series current limiting resistor plus a precision 50mA meter protection fuse, and a symmetric TVS diode (actually a pair of 'super-zener' diodes connected back-to-back in a single package) connected to ground to protect each input. Use two of these combinations for balanced inputs, TVS diode from each input leg to ground.
The series resistor limits the current to something halfway reasonable, to protect the TVS diode until the fuse has time to blow. Bonus feature is that if you wire this properly, using a Kelvin (4 point) connection scheme for the TVS diode, the whole thing will also make the input virtually bullet proof. Even against rather ridiculous static and common mode voltage/current spikes.
The actual voltage limit has to be selected for each input individually. You should be able to check the datasheet of the active devices in the input circuits, combined with the schematic, to get an idea of how high an overvoltage can be allowed to get. For audio inputs I'd hazard a guess and say that in most cases you will have a fairly wide margin of error. Meaning it would take several times the normally expected peak input voltage to cause any damage.
So if your absolutely maximally expected line in signal is, say, 3V peak, about twice normal line in, then a voltage limit of +/- 5-10V is probably unlikely to cause any damage.
Special input protection circuits have been devised for mic inputs, not the least due to the combination of low input impedance and the potential presence of +48V phantom power. Check THAT Corp's homepage for some app notes on this. Search for "
The Phantom Menace", part I to ?.
Audio outputs: Suspect you may have to design the protection circuits individually. I don't recall any one-size-fits-all solution.