Rock Hill does not require STR hosts to carry a specific insurance policy or post a liability minimum, and South Carolina has no statewide STR insurance mandate. Hosts using Airbnb or VRBO rely on platform host-protection programs (AirCover up to $1M, VRBO Liability Insurance up to $1M); a standard South Carolina homeowner's policy generally excludes commercial transient rental.
Neither the Rock Hill Code of Ordinances nor any South Carolina statute requires STR operators to carry a minimum insurance policy. Because South Carolina has not preempted local STR regulation, Rock Hill retains authority to impose insurance requirements in the future, but as of last review it does not. Coverage is therefore governed entirely by contract: the host's homeowner's or landlord policy, the rental platform's host-protection program, and any condo/HOA master policy. The major risk for hosts is that a standard South Carolina HO-3 homeowner's policy contains a 'business pursuits' exclusion that voids coverage for property damage and liability arising from rental for compensation, including a single Airbnb booking. South Carolina-licensed insurers including South Carolina Farm Bureau, State Farm, Allstate, and Travelers offer home-sharing endorsements that bridge the gap. Options for Rock Hill hosts: (1) add a home-sharing rider to the HO-3, (2) move to a commercial Landlord Dwelling (DP-3) policy plus a Hosted Lodging endorsement, or (3) buy a dedicated STR policy from a specialist carrier (Proper, Slice, CBIZ). Platform protection programs are secondary, not a substitute: Airbnb AirCover provides up to $1,000,000 liability and $3,000,000 host damage but only for losses caused by the verified booking guest filed through Airbnb; VRBO Liability Insurance is similar. The Rock Hill Business License application does not require proof of insurance, though private contracts (condo associations, mortgage lenders) frequently do. The South Carolina Department of Insurance (doi.sc.gov) regulates licensed carriers and provides consumer guidance on home-sharing coverage.
Operating without adequate insurance is not a code violation in Rock Hill, but a guest injury without coverage can expose the host to personal liability up to full net worth. A homeowner's policy that excludes business pursuits will deny the claim; South Carolina's bad-faith insurance common law (Nichols v. State Farm Mut. Auto. Ins. Co., 279 S.C. 336, 306 S.E.2d 616 (1983)) does not override a clearly drafted exclusion.
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