Charleston requires every short-term-rental operator to carry liability insurance covering commercial transient use, with proof attached to the annual permit application reviewed by Livability and Tourism staff before issuance.
STR applicants must demonstrate liability coverage adequate for transient lodging at the application and annual renewal stages. Standard homeowners policies typically exclude commercial short-term use, so the city expects either a rider, a dedicated STR policy, or platform-provided host coverage equivalent to common carriers like Airbnb's $1 million liability program. The certificate of insurance must list the dwelling address and remain valid throughout the permit year. Lapses discovered during inspection or complaint follow-up are grounds for immediate suspension under Ordinance 2018-141 and Chapter 17 transient-occupancy provisions.
Operating without valid coverage triggers permit suspension, fines up to $500 per booking night, and disqualification from re-application for twelve months.
Charleston, SC
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Charleston, SC
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