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.