Insurance Requirements: Charleston vs North Charleston

Does Airbnb's AirCover satisfy the requirement?

Generally yes, if you list exclusively on a platform offering host liability coverage of similar limits. Multi-platform hosts should still carry an independent rider.

Will my homeowners policy work?

Probably not. Most South Carolina homeowners policies exclude commercial transient rentals; ask for a short-term-rental endorsement or standalone policy.

Does North Charleston SC require liability insurance for short-term rentals?

Section 4-21 of the city's STR ordinance does not set a specific insurance dollar minimum for STR operators, although coverage is strongly recommended and may be required by HOAs, lenders, or rental platforms.

Is North Charleston's STR insurance rule the same as Charleston's?

No. The City of Charleston requires a general liability policy of at least $1,000,000 per occurrence; North Charleston's Section 4-21 does not impose an equivalent dollar threshold.

Will my homeowners policy cover a North Charleston Airbnb?

Typically not. Standard homeowners policies usually exclude commercial short-term rental activity, so operators usually need a dedicated STR or commercial general liability policy regardless of city law.