Most renters insurance will cover a fair amount of loss. When I got my policy I only had to put riders on it for my computers (up to about 3-4000, I forget exactly) and my fiance's ring. Since I have receipts for all the stuff I've purchased for my bike, I should be set if it ever gets stolen. I highly recommend renters insurance. I only pay ~$100 a year for almost 30,000 in coverage and $200,000 in liability coverage.