It's probably insured under homeowner's or renter's insurance, if you have either of those.

That's one of the reason I've been reluctant to do so, yeah. All of the hotels I've been to that do this have been painfully explicit about how they're not responsible for literally anything, and that there aren't even any cameras to investigate potential issues afterward.

That's a big fat "nope" from me. Which is likely their desire.