Charleston County, SC Short-Term Rentals: Insurance Requirements (2026)

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.