The death of a laptop, take two

Last Saturday, the most powerful electric storm that Ive perhaps ever experienced in my life struck my town. Though it only lasted for about two and a half hours in total, it was mightily intense and ultimately destructive. Lighting was striking all over the place and continually. The storm gods were angry. The night sky lit up more or less perpetually. And the wind toppled trees and made my (not-so-sealed) house rather breezy. But, one of the damned lightning bolts struck somewhere immensely close to my house in a booming explosion and blew out two lightbulbs (literally, as the shards of glass on my floor could attest) , made my cell phone charger start to smoke, and, worst of all, fried my laptop. In my defense, it was plugged into my surge protector. But it didnt matter. So, about six months after recooperating my laptop from a virus which shut it down for nearly four months, Im again sin portatil (without laptop). Life goes on without a computer, just much less efficiently. Luckily, it was under insurance (Im glad I went for the PC-endorsed property insurance after all) and I had all of my most important documents backed up on my harddrive back home and on my USB here. So the lesson to be learned is either 1) invest in a super heavy duty surge protector (in retrospect, mine was only about $20 from Target) or 2) unplug everything during any storm where there may be lighting.

PS- this is not the real picture of what happened to my laptop, rather an exaggeration

Insurance or not?

One of the last things that I'm doing to prepare for my departure is deciding about insurance. Sure I've been mulling it over for a few months now, but the time to make a decision is upon me. The questions at hand are:
1. Should I sign up for the Peace Corps endorsed life insurance policy?
2. Should I get personal-property insurance for my laptop and camera?

If I had a lot of money, I'm sure it would be an easy decision to pay for both lines of insurance. But I'm a recent college grad and I don't have a lot of money to mess around with. So, at this point, I'm leaning towards declining both:

1. I don't plan on dying- but who does? Why not keep the $60 that it would cost to buy the policy?

2. My laptop is getting old now and I'm probably going to need to get a new one in a couple years any way. I'm also backing up all my data before I go, as well as bringing a few memory sticks with me. Point being that I won't be devastated if my laptop gets stolen or broken. I have a pretty cheap digital camera and I wouldn't be too heartbroken if something happens to it too. I'm not planning on taking anything else of any real worth.

Personal property insurance isn't necessarily cheap, especially compared to what the PC pays us. The insurance company that the PC recommends (Clements International) charges a premium of $50 for $1000 of coverage. At this point, I'm not sure how much I'd need to get covered, but it would probably be more than $1000.

It seems that not every PCV in Honduras gets their laptop and camera stolen. Will insurance give me true "peace of mind" or will I feel ripped off if I've paid $50+ month after month for coverage that I didn't end up needing? To be honest, I think that if I pay for the insurance, I'd almost hope that my laptop gets stolen just to have made it worthwhile.

**Correction: I was mistaken; the Clements policy charges its premium annually, not monthly, so that makes a huge difference. Thanks for the comments.