It is not hard to get renter's insurance... in most cases it's less than $20/mo depending on how much coverage you are getting. If you are paying your own car insurance, check with that insurer (if you're happy with them of course) and ask for a quote. Many times you will get a discount if you get the two together. If you are under your parents' insurance, check with their insurer. Places like State Farm and All State also offer free quotes online.
Also -- make sure you make note of what you DO and DON'T want in a living space.
For example -- I live in Texas, so a fireplace in my apartment is nothing more than a waste of a wall (of course this is a personal preference)... so if they only offer floorplans with fireplaces, I thank them for their time and try another place.
Another example -- I absolutely cannot live without full size washer/dryer connections. I'm not a fan of the laundromat or the washing rooms. If they don't offer those, I thank them for their time, and try another place.
Don't let them sucker you into a "look and lease" deal. Sometimes they will offer a discount if you sign an application right away complete with a deposit. Unless you KNOW this place is THE ONE don't do it!
I would suggest you look into a second-story (or higher if you don't mind) apartment. While you cannot prevent all types of burgleries, typically those on the 1st floor get hit the hardest.
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