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How a fed up carpenter found his stolen power tools — and 15,000 others
(www.washingtonpost.com)
This is a most excellent place for technology news and articles.
I'm not a professional, but all my powertools are covered under my renter's/hone insurance. It's incredibly cheap compared to car or health insurance.
Edit: I guess this doesn't count if the tools are stored in a vehicle parked anywhere but in my garage. There's definitely some policies available that will cover the full contents of your vehicle though.