Mount Pleasant, SC Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Insurance filing
- Copy of general liability insurance required
- Filed annually with
- Planning, Land Use and Neighborhoods Dept.
- Incomplete application
- 10 business days to fix or denied
- Business license
- Issued only after STR permit approved
- False documents
- Separate violation, § 156.519(A)(4)
Summary
Every Mount Pleasant STR permit application must include a copy of the operator's general liability insurance, one of the required annual submissions filed with the Planning, Land Use and Neighborhoods Department under § 156.519(B)(1), alongside proof of fire and building compliance.
(l) Copy of general liability insurance;
Full Breakdown
519(B)(1) lists a copy of general liability insurance, at subsection (l), among the required attachments to every application, alongside the unit's address, bedroom count, parking plan, maximum occupancy figure, and a signed affidavit that the property complies with town fire and building ordinances. 519(A)(2)(b) states that if an application is found incomplete, the primary contact is notified and given ten business days to submit the missing information; failing that window results in denial. Because insurance is part of the annual filing rather than a one-time submission, an operator has to refile proof of coverage every renewal cycle, not just when first registering. 519(D)(3). 519(A)(4).
Violations & Fines
An incomplete application, including a missing insurance copy, blocks permit issuance rather than triggering a fine directly, but submitting falsified insurance documents is a violation under § 156.519(A)(4) for inaccurate registration information. Operating an STR without a valid permit exposes the owner to a fine up to $500 or 30 days' imprisonment, a civil penalty up to $1,000, and a one-year bar on reapplying under § 156.522(C).
Frequently Asked Questions
Do Mount Pleasant STR owners have to show proof of insurance?
What if I forget to include my insurance certificate?
Can I operate my STR while my insurance paperwork is pending?
Sources & Official References
Other rules in Mount Pleasant
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