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Great idea. Renters insurance is very inexpensive and is a wise precaution. I would just pick an insurance company with an agent that you can actually visit. Make sure that you address the issue of total replacement. Should you suffer a loss, you definitely want the same equipment or it's equivalant (read new and improved version) replaced. Don't settle for depreciated value.
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"The gift of liberty is like that of a horse, handsome, strong, and high-spirited. In some it arouses a wish to ride; in many others, on the contrary, it increases the desire to walk."
-- Massimo d'Azeglio
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