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I've had content insurance as a renter before, and it was useful (my flat was burgled; my flatmate did not have insurance).

That was a while ago, when things like CDs were still targetted by theives, and I got everything replaced, which would have cost me thousands.

I still keep contents insurance; haven't claimed on it more than once in a couple decades though - it's there for the case where my appartment is destroyed (I live in a block of flats), and it's nice to have the lost property/damaged devices cover for travel and general use.

I did for a short while. Then I realised I don't own anything of sufficient value to be worth it long term.

FWIW, I've seen rental contracts that insisted on it. I imagine it varies by jurisdiction how legal/enforceable that is.