Greenville County, SC Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- County insurance mandate
- None
- Required compliance
- Tax, fire, building, DHEC
- Timing
- Before and during operation
- Liability coverage
- Advised, not required by county
- Rule source
- Zoning Sec. 6:2(4)(E)
Summary
Greenville County does not require short-term-rental operators to carry a specific liability insurance policy. The Bed and Breakfast conditions instead require compliance with all tax, fire, building-code and DHEC requirements before and during operation, which drives most safety obligations.
All Bed and Breakfast establishments must meet all tax, fire and building code requirements, DHEC requirements, and prior to the commencement of operations and at all times thereafter.
Full Breakdown
No provision in the Zoning Ordinance or County Code sets a minimum liability-insurance amount for short-term rentals or B&Bs. Section 6:2(4)(E) requires that all Bed and Breakfast establishments meet all tax, fire and building-code requirements and DHEC requirements prior to and at all times during operation, which is the county's chief safety hook. Operators should still carry adequate homeowner or commercial liability coverage, because standard residential policies often exclude commercial lodging use; that is a private insurance matter, not a county mandate.
Violations & Fines
Failing to meet the referenced fire, building-code or DHEC requirements is a zoning condition violation subject to enforcement; there is no separate insurance penalty because no insurance minimum is imposed.
Frequently Asked Questions
Must I carry short-term-rental insurance?
What safety rules does the county enforce?
Sources & Official References
Other rules in Greenville County
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