Every hotel guest is best advised to read the law regarding "innkeepers" in California, for example.
Innkeepers Laws
In ancient Babylon, around 1700 B.C., Hammurabi ordered death for innkeepers whose negligence caused inconvenience or injury to travelers.
Most U.S. states today have "innkeepers laws",
Innkeeper's Liability for Loss to Guest's Property » Adjusters International Corporate largely based on English common law dating to the 1700s.
Innkeepers laws also limit hotels' liability in situations
PRACTICAL TRAVELER; Theft at a Hotel: What's Covered such as thefts from rooms, damage to cars in parking facilities and injuries to guests.
California, for example, limits a hotel's liability for losses of personal property of a guest not to exceed the sum of one thousand US dollars ($1,000).
(See the Innkeeper Statute at Civil Code sections 1859 through 1867.
California Code, Civil Code - CIV § 1859 | FindLaw )
Hotel liability is even limited for theft from the in-room safe.
Most hotels do not carry insurance policies that would cover theft of guests' personal belongings.
After all, hotels don't know and don't want to ask all of their guests to itemize valuable belongings.
It's one reason travelers should always consider purchasing their own travel insurance policy.
Your hotel booking documents should contain terms and conditions that detail what the hotel will and will not cover in terms of theft.
You can likely find more information regarding hotel liability for stolen goods at a specific hotel chain's website, this is what Hilton has to say, YMMV with other hotels:
Most travel insurance policies come with personal baggage and valuables cover.
If you travel with the usual basics like camera, cell phone, and laptop; basic coverage should suffice if anything gets lost, damaged, or stolen.
If you are traveling with particularly valuable items, you should read the policy terms to see how much single items are insured up to, and make sure it covers the price of what you paid for the item.
If you do need to make a claim for a valuable item stolen from your hotel room, have proof of purchase ready for the travel insurance company.
If you don't have receipts, take photos of the items with the serial number clearly visible before you travel.
You might also find this helpful:
What You Need to Know About Your Rights As a Hotel Guest
You reside in Bermuda.
If this had happened, and it does happen to guests from other countries, the result would be the same.
Don't expect the hotel to be too helpful, even if you had lived in California.
Hotel liability is limited by statute all over our planet.
