Ensuring a Brighter Future

We are an independent insurance agency based in Charleston, SC
and serving the Lowcountry.

Personal Insurance

Protect what matters most.

Business Insurance

Protect your assets.

Custom Insurance Solutions

Top-Tiered Service

Competitive Rates

Family on the beach

Personal Insurance

Home | Auto | Boats | Motorcycle | More

Office area

Business Insurance

General Liability | Business Auto | Business Owner's Policy | More

Why Choose an Independent Agency?

HorizonFirst utilizes technology and expertise to deliver modern solutions in an ever-changing world. We provide custom insurance solutions to ensure a brighter future for you, your family, and your business.

Not all insurance agents are the same! Choosing the right one can make a big difference – in price, service, and value. With other agencies, you get one company that sells one brand of insurance. We put our vast network to work for you by comparing coverage and prices to find the best value and top-tiered service that you deserve.

We’re committed to being your advocate in times of need. We are a locally owned independent insurance agency and love meeting with our clients. We are proud to live in the community we serve.

Scott Labarowski - Founder of HorizonFirst Insurance, independent insurance agent in Charleston, SC

Scott Labarowski, Founder of HorizonFirst

Insurance Carriers

Years of Experience

Satisfied Customers

Insurance Industry News

Listen along as Scott talks with Adam Curran on the Retire Y’all Podcast. They discuss the following:


What is going on with Homeowner’s Insurance nationally and locally?


What is the importance of knowing the difference in Admitted vs. Non-Admitted policies?


What are the options to lower your Homeowner Insurance premium?


What exactly does my Commercial Insurance cover?


What is Cyber Insurance?

Protect What Matters Most

We have the protection you need for your family, your home, your cars, and all of your valuable assets. Speak with a licensed agent today.

HorizonFirst Location Mount Pleasant South Carolina

Located in Charleston, SC, we are proud to serve clients throughout the Lowcountry, including:

  • Mount Pleasant
  • Isle of Palms  
  • Daniel Island
  • West Ashley
  • James Island
  • John's Island
  • Folly Beach