Short-term rental insurance in South Carolina

A typical homeowners or landlord policy in South Carolina excludes the paying-guest use that Airbnb and VRBO hosting depends on. Short-term rental insurance rounds out your protection with building coverage, guest-injury liability, and the income a covered event like a hurricane would otherwise take.

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Top-rated short-term rental insurance in South Carolina.

Eric Martin

I had a quote within half an hour and then connected them with my mortgage lender for closing via email. Very easy to work with.

Elizabeth Oreo

They respond quickly and communicate well. I was able to get the policy I needed to convert my vacation home to Airbnb.

Arnold Chambers

The process of getting a landlord policy was very smooth. A few text messages, and the price was great, new policy saved us over $600!

Protect your South Carolina property with short-term rental insurance

South Carolina’s short-term rentals shine in Charleston, Myrtle Beach, and Greenville. With Airbnb laws differing by municipality, property owners need reliable coverage and compliance.

Steadily’s short-term rental insurance protects vacation homes from liability claims, guest damage, and storm-related events. Keep your South Carolina rental secure, whether you self-manage or use property management.

Since a South Carolina short-term rental faces risks a homeowners policy was never meant to cover, the smart move is a policy that treats your rental like the business it is, which is what Steadily provides.

Who is short-term rental insurance for?

Short-term rental insurance protects your investments when they are rented as a vacation rental, Airbnb, VRBO, etc. Short-term rental insurance covers rental periods as short as one night. This insurance offers coverages for:

Legal liabilities

Fire and water damage

Financial protection against natural disasters

Protection for your furnishings

What does short-term rental insurance cover?

We cover a wide range of risks, or you can choose a limited set of coverages for a lower premium

Fire

Covers damage from fire, smoke and related events, such as wildfires, accidental kitchen fires or electrical fires caused by malfunctioning appliances.

Legal liability

Landlord liability insurance pays medical bills, legal defense, and settlements when a tenant or visitor is injured at your rental. Steadily writes $300K-$2M of liability into every landlord policy in all 50 states. Quote in two minutes.

Water

Covers certain water damage not caused by flooding, including burst pipes, HVAC leaks and plumbing overflows.

Storm and hail

Covers damage to your rental property caused by storms, hail, wind and lightning - such as fallen trees or hail punctures in roofing structures.

Loss of rent

Covers lost rental income for when your rental becomes uninhabitable due to covered perils, or while the repairs are being made.

Vandalism & burglary

Covers damage made to your rental property by a burglar or a vandal, such as broken windows or defacements made to walls or exterior structures.

Riot & civil commotion

Covers damage to your rental property caused by riots, civil unrest, and public disturbances.

Short-term vs. long-term rentals explained

Short-term rentals

Stays that are 30 days or less at a time.

Rented in short stays

Guests book by the night or week, cycling through constantly instead of one household staying put. A short-term rental policy is priced for that turnover.

Furnished space for paying guests

You supply the beds, furniture, and everything guests use.

Rental income rises and falls with bookings

Revenue is variable and business-like, and loss of rent coverage can replace bookings lost after a covered event.

Requires an STR policy or endorsement

An STR carries a meaningfully different risk profile than a long-term rental. Having the wrong policy can result in coverage gaps and claims being denied.

Long-term rentals

A tenant's permanent residence.

Leased for months or years

One tenant signs a lease and lives there full-time; there's no nightly turnover.

A different risk profile

A single long-term tenant creates far less turnover and guest liability than a stream of nightly visitors, so it's underwritten differently.

Steady rent, tied to a lease

Using a homeowners policy for a rental property can create major coverage gaps.

Does not require an STR policy or endorsement

A tenant-occupied rental calls for a landlord policy built around long-term tenants.

Not sure if your STR is covered? Enter your address and get a free quote instantly:

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What short-term rental insurance costs in South Carolina

Plan on a short-term rental policy running roughly 15% to 25% more than a standard landlord policy since insurers price in the added risk that comes with paying guests.

Because South Carolina sits in hurricane country, storm risk is a real factor in where a short-term rental premium lands.

Factors like the home's value, how many guests stay, your deductible, and optional coverages all shape the final premium.

Getting your actual price takes only a few minutes with an online quote.

Short-term rental rules every South Carolina host should know

Before you list a South Carolina property, it's worth checking the local ordinance, because short-term rental rules there vary from one municipality to the next. Our South Carolina short-term rental law guide lays out what to look for.

Local ordinances often set a permit or registration step, limits on nights or guests, and standards for safety, parking, and noise that hosts have to meet.

Some jurisdictions also require a separate tax registration or license number before you can legally collect, on top of any permit.

Even where insurance isn't strictly required, hosting without short-term rental coverage leaves you exposed to exactly the claims local rules are trying to prevent.