No.
The person that stole the tools is liable.
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Correct.
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The standard homeowners policy severely limits coverage to $500 for theft of personal property away from the residence premises used primarily for business/work purposes.
Many insurance companies offer small amounts of increased limits for an additional premium but $2000 worth of tools is likely to require the purchase of a "tool floater" policy and might cost $1 or $2 per $100 of value and the items have to be listed.

