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A while back, we answered your question on renters insurance. Generally, we think getting it is a good idea; it isn't that expensive and it can protect you from lots of unforeseen problems.
Yesterday, Manhattan Users Guide posted a pretty comprehensive guide to insurance with lots of information we didn't think to include in our answer. Check it out.
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Renters insurance is so worth it. You never know what will happen. And for those of you who are affianced, you can add your rings to the policy easily!
I can't say this loudly enough: GET RENTER'S INSURANCE.
Even if you mess up and don't get exactly the right policy, it's so worth it. My apartment was robbed in the spring. I had renter's insurance and my roommate did not. My policy costs $8 a month. I got replacements for all of my electronics (totaling over $700) and money for my jewlery and other various items (over $2,000). My roommate lost more than I did, and got nothing.
We got renters insurance because I had a weird paranoia about a neighbor setting his apartment on fire. Then 9/11 happened. Renters insurance is worth it.