Best way to test if a generic type is a string? (C#)

Question

I have a generic class that should allow any type, primitive or otherwise. The only problem with this is using default(T). When you call default on a value type

Answer 1

if (typeof(T).IsValueType || typeof(T) == typeof(String))
{
     return default(T);
}
else
{
     return Activator.CreateInstance();
}

Untested, but the first thing that came to mind.