I have never been in the aituation you are in, so I do not know. Peraonally, and this isnt going to be an answer you even want to hear, i have insurance on all of my computers, my camera equipment, all of the accessories that go with them.
If something were to happen, I pay a whopping $3 a month with my homeowners insurance to cover everything, and it gets replaced at 100% cost of what it was brand new and a $0 deductible for them. I did the same with renters insurance. If you have renters or homeowners insurance, add your computer to it, and save yourself headache in the future.