It sucks, period. I used to work in insurance claims and I can suggest to others that you keep an itemized list with receipts and pics/video of all your tools. But considering the dollar amount involved it's really not worth it filing a claim, claims against you can really hurt in property insurance. It's hindsight, but I would suggest keeping them out of view and locked up real well. One of the reasons I drive a beater car is that nobody would think I have 3k worth of tools in my trunk. Guys with toolboxes on the bed are just advertising that they have lots of nice tools, and most of the bed boxes can be busted into real quick.