Business Details
50+ Years
experience
Emergency
services
Your Trusted Insurance Partner in Muskegon, MI
Waterstone Insurance Agency has been serving West Michigan for over 100 years, establishing itself as a trusted partner in insurance solutions. Our independent agency works exclusively for our clients, placing coverage with top-tier insurance carriers to ensure comprehensive protection. We pride ourselves on personal service available 24/7, maintaining honesty and integrity as the foundation of our client relationships. Our commitment to technological advancement ensures seamless communication and efficient policy management. Specializing in personalized insurance programs, we cater to both individual and commercial clients across Michigan.With a team of experienced professionals, we offer competitive pricing and tailored coverage options that adapt to evolving market needs. Our state-of-the-art systems enable real-time rate comparisons and prompt claims processing. As the second oldest operating business in Muskegon County, we combine decades of expertise with modern innovation to deliver exceptional service. Client confidentiality remains paramount in all our operations, reinforcing the trust we've built over a century. This legacy of service continues to guide our mission of providing complete insurance solutions with professionalism and care.
Services
Personal Insurance
Commercial Insurance
Health Insurance
Auto Insurance
Home Insurance
Umbrella Insurance
Life Insurance
Workers Compensation
Details
- Year established: 1924
Highlights and features
- We offer 24/7 personalized insurance service with immediate claim response
- Our honesty and integrity are reinforced through strict client confidentiality
- We maintain partnerships with top-tier insurance carriers for competitive pricing
- Our team combines over 100 years of local insurance expertise with modern technology
- We provide customized coverage solutions for both personal and commercial needs
What people say
Knowledgeable
Reliable Service
Very Attentive
Never Lets Us Down
Exceptional Coverage
Services
Personal Insurance
We provide comprehensive personal insurance solutions including auto, home, life, and health coverage. Our customized plans protect Michigan residents' assets while offering competitive pricing through multiple carrier partnerships. With 24/7 service availability, we ensure prompt assistance for policy adjustments and claims processing.
Commercial Insurance
Our commercial insurance programs safeguard Michigan businesses against property damage, liability claims, and operational risks. We create tailored risk management solutions combining property, liability, and specialized coverage options through strong carrier relationships and industry-specific expertise.
Health Insurance
We offer individual and group health insurance plans meeting Michigan's regulatory requirements. Our solutions include major medical coverage, supplemental insurance, and Medicare supplements, with expert guidance on Qualified Health Coverage compliance for auto insurance purposes.
Auto Insurance
Our auto insurance provides customizable coverage for personal and commercial vehicles across Michigan. We offer competitive rates for standard policies while specializing in unique needs like collector cars, motorcycles, and watercraft insurance through multiple carrier options.
Home Insurance
We provide comprehensive home insurance protecting Michigan properties against fire, theft, and natural disasters. Our policies cover standard homes, condominiums, mobile homes, and rental properties with customizable limits and additional coverage options for valuable assets.
People
Michael W. Johnson
President
With 23 years in insurance, Michael graduated from Western Michigan University in 1999 with a finance degree. He leads our team in delivering personalized service while maintaining our century-old commitment to client trust and community values.
Stephon P. VanderWater
Account Executive
Bringing 35 years of industry experience, Stephon joined Waterstone in 2007 after working at his family's agency. He specializes in creating tailored insurance solutions while maintaining the personal service standards we're known for.
Riley D. Walcott
Account Executive
A Grand Valley State University finance graduate, Riley combines fresh perspective with technical knowledge. He focuses on building long-term client relationships while ensuring clear understanding of insurance coverage options and benefits.
Dylan M. Skorupski
Account Executive
Dylan educates clients about their coverage while making insurance concepts accessible. With a commitment to community service, he ensures our clients understand their protection while enjoying Michigan's seasonal activities with his family.
Julie R. Balgooyen
Health Insurance Executive
With 35 years in the industry, Julie specializes in health insurance solutions. She joined Waterstone in 2008 after running her own agency, bringing expertise in navigating complex healthcare coverage requirements and regulations.
Questions
What types of personal insurance do you offer?
We provide auto, home, life, health, umbrella, mobile home, condominium, and specialty coverage like collector cars and watercraft insurance.
Do you offer commercial insurance for small businesses?
Yes, we create customized commercial policies for Michigan businesses including property, liability, workers compensation, and specialized coverage options.
How does health insurance affect auto insurance in Michigan?
Michigan requires Qualified Health Coverage documentation to determine PIP medical coverage options. Our agents help navigate these regulatory requirements.
Are there discounts available for personal insurance?
We offer up to 20% discounts for members of professional associations, alumni groups, and community organizations listed on our website.
What should I do after an accident?
Contact us at 231-726-4046 or your carrier immediately. Document the incident, protect property from further damage, and provide witness information when applicable.
Can I customize my insurance coverage?
All our policies are customizable. Our agents work closely with clients to create tailored solutions that match specific personal and business needs.
