Hi there Kelley, Welcome to ECN!. Well, it's been a few years since I've had any tools pinched, but even so it's darn inconvenient to say the least. Sure, having insurance pay for new tools is cool, but the thing I don't like about it is, you have to get used to a new lot of tools. Over the years, your hands mould into tools and even if you bought your tools 10 years ago, try and find a decent equivalent, these days. Chances are it isn't made in the same place as your last lot.