Doug,
Sorry to hear about your truck. Like others said I lock most tools up in a gang box locked to the truck. I don't know how much a steel topper is but when the time comes you might conceder a used step van instead. They are more secure, you don't have to crawel, and they hold more.
I priced out insurance on my tools once. I think it was $600-700 a year with a $500 deductable. They based it on insuring $1500-$2000 worth of tools. I don't know if they give you replacement value or depriciated value in a loss. It made about as much sence as geting full coverage on a new car.
I was looking at home ads in that area. We were looking at Gurnee, Wakegan, and North Chicago. What is your neiborhood like? Is it newer or older clean or unkept?
Tom
