Home Insurance

Protect Your Home

Your home is your most valuable asset, both as an investment and as your sanctuary in a hectic world. When your home is damaged or destroyed, you need your claim settled by an insurance company that you can trust and an agent with experience. Coverage availability and prices may vary by company. We can help you determine which one of the many companies we represent will best meet your needs and provide you the best combination of tailored coverages, quality service, and fair pricing.

Types of Property Insurance


Primary & Secondary


Mobile Home Insurance

Scheduled Personal Property Insurance
Condo & Renters Insurance
Rental Property: Insurance for Landlords

Supplemental Coverage



Golf Clubs & Sporting Equipment
Electronics & Computer Devices

Possible Discounts

Depending on the company you choose, you may get discounts on home insurance for:
Being claim free in the past
Having a newer home and/or newer roof
Having a burglar and smoke alarm
Insuring your vehicles with the same company

Other Advantages

Other advantages you could enjoy include:
24-Hour Claims Hotline
Flexible billing – Including coordinating with your mortgage company
Living expenses if your home becomes uninhabitable due to a claim


What are some practical things I can do to lower the cost of my homeowners insurance?
The easiest thing to do is get a comprehensive review of your policy and needs from your local agent. It is not surprising to find quotes on homeowners insurance that vary by hundreds of dollars for the same coverage on the same home. When you shop, be careful to make sure each insurer is offering the same coverage.

For example, many insurers will offer a Bundling Discount when you place both your automobile and homeowners insurance with them. Other times, insurers offer security discounts if there is a security system or security devices installed. Hurricane shutters can also be considered. Be sure to ask us about any discounts for which you may qualify.

What is the difference between "actual cash value" and "replacement cost"?
Covered losses under a homeowners policy can be paid on either an actual cash value basis or on a replacement cost basis. When “actual cash value” is used, the policy owner is entitled to the replacement cost minus depreciation of the damaged structure or article. Under the “replacement cost” coverage, the policy owner is reimbursed an amount necessary to replace the structure or article with one of similar “like, kind and quality”.
What factors should I consider when purchasing homeowners insurance?

There are a number of factors you should consider when purchasing any product or service, and insurance is no different.

Here is a checklist of things you should consider when you purchase homeowners insurance.

  • Determine the amount and type of insurance that you need. The coverage limit of your house should equal 100% of its replacement cost. If your policy limit is less than 80% of the replacement cost of your home, any payment from your insurance company may be less than the full cost to replace your home — you’ll have to pay the rest out of your own pocket. Also, decide if the personal property and personal liability limits are adequate for your needs.
  • Determine which, if any, additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement, an earthquake endorsement or a jewelry endorsement?
  • Once you have decided on the coverage you want in your homeowners insurance policy, consult us. We will be able to help you determine if there are any gaps in coverage you might not have been aware of, explain the details of the policy’s exclusions and limitations as well as recommend an insurance company that will live up to your expectations.
Do I need earthquake coverage? How can I get it?
The standard homeowner insurance policy does not pay for direct damages caused by “earth movement.” “Earth movement” is a much broader term than earthquake. It includes earthquakes, volcanic activity, and other earth movements. This coverage may be available by endorsement for an additional charge. If you live in an area that is more likely to have an earthquake, you’ll pay more than if you live in an area that is unlikely to have an earthquake. HorizonFirst Insurance can help you weigh the costs and benefits of this coverage before you decide to purchase.

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