Heffay, I'm not sure if the "who" is as important as "do" and "how." ;-) If you rent, renter's insurance is a must. It's fairly inexpensive, and your possessions are not likely to be covered otherwise. When I rented, I purchased insurance beyond the value of my possessions. Make sure it covers the normal stuff: fire, flood, theft, etc. Make an inventory of valuable items, and take pictures where necessary. For me, my tools are some of my most valuable possessions. Definitely catalog and take pictures of them because an insurance adjuster is not likely to have any comprehension of what they are worth or what the replacement cost would be, especially considering that we often buy top of the line tools. The same may be true of your bike(s), depending on whether they are covered by your motorcycle insurance. By the way, keep a copy of pictures/catalogs off site. One of the free online file storage services would likely work well, as would a webmail account, such as Google, Yahoo, Hotmail, etc.
The last time I purchased renter's insurance, I got it through Liberty Mutual. It's hard to say that I could recommend them because I never needed to submit a claim. I chose Liberty Mutual primarily because they had taken good care of me for auto claims and because it was easy to have one company handle both. I'm sure I paid a bit more for the insurance; however, it's nice to have an actual agent.
The other thing to consider is security of your residence, regardless of whether you are in a high crime area. I'm sure you could likely find a good security checklist online; however, I paid close attention to the locks, lighting outside, etc.
