South Carolina mandates no STR insurance statewide, and unincorporated York County requires none. Coverage is driven by lenders, HOA covenants, and platforms; SC cities like Charleston require $1,000,000 liability, but York County does not.
Neither South Carolina nor unincorporated York County requires a short-term-rental host to carry insurance. That makes coverage a private decision: mortgage lenders may require it, HOA covenants occasionally demand it, and Airbnb and Vrbo bundle host liability protection that does not replace a proper policy. Standard homeowner policies often exclude commercial rental activity, so hosts commonly add a short-term-rental endorsement. Some SC municipalities, such as Charleston and Beaufort, require $1,000,000 liability coverage, but York County and its cities impose no such mandate.
No county penalty applies for operating uninsured. The exposure is financial: an uncovered liability claim, a lender default, or HOA enforcement can each follow a loss.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
York County, SC
York County requires garage and yard sales to maintain property appearance. Items must be displayed neatly and removed promptly after the sale ends.
York County, SC
No South Carolina statute and no York County ordinance regulate holiday lights, inflatables, or yard displays on private property. A homeowner decorates with...
York County, SC
York County's zoning code regulates garage-sale signs on private property by size and placement, and no county permit covers a sign in the state right-of-way...
York County, SC
South Carolina gives political signs no protection on private property — repeated bills failed — so York County's zoning code and each city regulate them con...
York County, SC
Unincorporated York County requires no rental registration, but its cities do. Rock Hill mandates that every single-family and multi-family rental register w...
York County, SC
South Carolina has no just-cause eviction rule, and York County cannot add one. Under S.C. Code §27-40-710 a landlord ends a tenancy for unpaid rent with a f...
See how York County's insurance requirements rules stack up against other locations.
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