Why you strawman?!
Am I doing this right? I'm so confused.
No. A straw man is to misrepresent another person's argument into something more easily defeated.
For example, someone argues that government should protect private property. Another responds using an example involving public property. Then, when corrected, they assert that the only way that government protects private property is through the police, totally ignoring other means like civil courts, real estate laws, etc. I'm not gonna touch on the million ways to steal someone's property with the proverbial pen here, but suffice to say they exist and in ways you've likely never dreamed of.
You also used the No True Scotsman fallacy. Not every libertarian wants to have to camp out defending their property 24/7. I for one would like to be able to go to work or take a vacation with the reasonable assurance that it will still be there as I left it when I get back. Without some minimal form of government to maintain law and order (with courts as well as police), that would not be a reasonable expectation. Buying insurance is sound capitalism.
http://en.wikipedia.org/wiki/Strawman
http://en.wikipedia.org/wiki/No_true_Scotsman