To avoid liability, most hotels exempt themselves or substantially limit their liability for loss or damage to valuables kept in hotels rooms. Most will post conspicuous notices declaring that valuables worth more than a certain amount of money (e.g., $250) must be stored in the hotel safe in order to be covered for loss. When a hotel requests that a guest state a “declared value” for valuables, the hotel generally has the right, on behalf of its insurer, to inspect the valuables for stated value. Room safes are generally recommended only if they contain digital keypads, and the guest assumes all responsibility for getting into the safe and keeping the combination confidential.
A hotel is generally not liable for loss of luggage or other personal items belonging to guests of the hotel and lost in areas other than the guest’s private room, unless the hotel or its employees are at fault.