yes sure rely on your home owners policy yeah right - get ready for the hosing of your life.
1 my dad did make a claim after his personal tools were stolen from the service van parked outside his home (forced entry)
the insurance co denied the claim as the van was not on the ppty but parked on the street ( a difference of 10ft)
then they raised his premiums by 30% and raised his deductable from 300 dollars to 2,000 dollars
you say well go find another insurance company yeah right!
Now try to get another insurance company to take you on after making a claim
read your home owners insurance policy carefully I'll bet there is severe limitations if not an all out exclusion for tools used for work