Charleston County's Article 6.8 does not require a specific liability-insurance policy for short-term rentals. Instead, owners must comply with all county building-code requirements and obtain a Building Safety Permit; hosts should still confirm insurance with their carrier and platform.
The STR permit application does not list a mandatory insurance amount. Its safety obligations are code-based: the owner is responsible for contacting the Charleston County Building Services Department to ensure the STR complies with all Charleston County Building Code requirements, which includes applying for and receiving a Building Safety Permit. Using five or more bedrooms for STR use may trigger additional building-code requirements. While Article 6.8 imposes no insurance mandate, standard homeowner policies often exclude commercial short-term rental activity, so operators typically add a short-term-rental or landlord endorsement and rely on any host-protection coverage offered by their booking platform.
Operating without required building-code compliance or a Building Safety Permit is enforced by Building Services and under Article 6.8.
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Charleston County, SC
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