Your renter's or homeowner's insurance, if you have it, may cover personal possessions such as a bicycle. I would specifically ask whether your policy covers a bicycle left locked on the street.

"Meredith:
I've been commuting and bopping around town by bike for 100 years. They will steal anything they can; junker bike, non-junker bike, anything they can. Sounds like you're getting a nice bike, one you want to keep. Don't leave it on the street. EVER! Get a junker bike for commuting. And when you do, use two locks, different locks, big locks, mean locks. I've had the same bike for over 10 years now, lock it on the street 24 hours a day, 7 days a week. I use the heaviest duty ""U"" lock on the market and also use the heaviest duty chain with strongest padlock I can find. The rationale is it takes a different burglar took to break a ""U"" lock than it takes to break a chain. Each of these two tools is big, heavy, difficult to carry around. Crooks don't carry them both. They carry one and look for the bike that is vulnerable to the one tool they happen to have. And, when you lock your bike with both these monstor locks, lock the bike to a secure pole, parking meter, whatever, independently of each lock. Make it so if the crook breaks one lock, the bike is still locked to the pole (or whatever) with the other lock. Make it so when the crook looks at your bike, they're reaction is ""fuggetabotit!"" Prevent them from even trying to steal your bike.
Before I started using this two-different-lock system, I'd lose bikes like crazy. Junky bikes, rusty bikes, ugly bikes. It didn't matter. If they could steal it, they would. The worst thing in the world is being late for a date and running out and finding the bike gone. I solved that problem two ways; (1) with the two-different-lock system and (2) I got married.
Seriously, 2 different type locks, junker bike. It's the only way to count on it being there when you want it."

When I got my first high end bike, I learned that I was able to add a rider to my insurance known as off premises insurance, which incidentally covered not only my bikes but guitars, and cameras, etc that may get stolen while outside my apartment. There was a small premium that I assessed as worth it. You need to photograph and record serial numbers along with holding on to receipts in order to get full price from the insurance company. Also bear in mind that you only get full replacement value if you have the full replacement clause in your original homeowners policy.