Simpsonville, SC Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Insurance required
- Yes, property and liability
- STR rider
- Required if prerequisite
- Rule section
- Sec. 10-295(a)(6)
- Lapse consequence
- Permit revocation
- City liability
- None assumed
Summary
Yes. Simpsonville requires proof of property and liability insurance, including any prerequisite short-term rental rider, when you apply for an STR permit. Letting insurance lapse is grounds for automatic permit revocation.
Proof of property and liability insurance, including any prerequisite short-term rental rider, along with an acknowledgement that property owners are responsible for their own safety and insurance needs, as well as the safety and sanitation of their tenants.
Full Breakdown
Sec. 10-295(a)(6) requires the application to include proof of property and liability insurance, including any prerequisite STR rider, plus an acknowledgment that the owner is responsible for their own safety and insurance needs and for the safety and sanitation of tenants. The ordinance states the city assumes no responsibility for safety or liability tied to the rental. Sec. 10-298(a)(2) lets the administrator suspend or revoke the permit if the owner does not have correct, effective insurance in force as described in Sec. 10-295(a)(6). Owners should keep the STR rider active for the life of the permit.
Violations & Fines
Lacking required insurance is grounds for permit denial, suspension, or revocation (Sec. 10-298(a)(2)).
Frequently Asked Questions
Do I need special insurance for a Simpsonville STR?
What happens if my STR insurance lapses?
Sources & Official References
Other rules in Simpsonville
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