Business Details
50+ Years
experience
Emergency
services
Your Trusted Insurance Partner in Muskegon, MI
Waterstone Insurance Agency stands as the second oldest operating business in Muskegon County, delivering comprehensive insurance solutions across West Michigan for over a century. Our commitment to excellence is rooted in personalized service, leveraging decades of industry expertise to place coverage with premier insurance carriers. We prioritize client relationships through 24/7 availability, maintaining strict confidentiality, and integrating advanced technology to enhance communication.Our team of seasoned professionals, including specialists with decades of experience, ensures tailored risk management strategies for individuals and businesses. Recognized for integrity and innovation, we combine the resources of a well-established agency with the agility to adapt to evolving market demands, serving approximately 10,000 clients through our state-of-the-art downtown Muskegon office.
Services
Personal Insurance
Commercial Insurance
Employee Benefits
Health Insurance
Life Insurance
Auto Insurance
Home Insurance
Umbrella Insurance
Workers Compensation
Disability Insurance
Details
- Year established: 1924
Highlights and features
- We have served West Michigan with insurance expertise since 1924.
- Our personalized service includes 24/7 availability and strict confidentiality.
- We utilize advanced technology for real-time rate comparisons and claims processing.
- Our team includes specialists with decades of industry-specific experience.
- We maintain partnerships with top-tier insurance carriers for customized coverage.
What people say
Knowledgeable, reliable
Very attentive
Reliable service
Always there
Exceptional coverage
Services
Personal Insurance
Waterstone Insurance Agency offers comprehensive personal insurance solutions tailored to individual needs. Our services include auto, home, life, health, and umbrella insurance, ensuring protection for assets and loved ones. With customizable plans and competitive pricing, we help clients navigate coverage options to secure their financial future while maintaining affordability.
Commercial Insurance
We provide customized commercial insurance programs addressing unique business risks. Coverage includes property protection, liability insurance, workers' compensation, and specialized policies for equipment and transportation. Our risk management strategies safeguard assets and operations, allowing businesses to focus on growth while ensuring compliance with industry regulations and minimizing financial exposure.
Employee Benefits
Waterstone designs comprehensive employee benefit packages including health, dental, vision, life, and disability insurance. Our solutions enhance workplace satisfaction while meeting employer needs for cost-effective, scalable plans. We assist businesses in selecting and managing benefits that attract talent, support workforce well-being, and align with organizational financial goals.
Health Insurance
Our health insurance services cater to both individuals and employers, offering plans that balance affordability with comprehensive care. We provide guidance on selecting appropriate coverage levels, navigating Michigan's Qualified Health Coverage requirements, and integrating supplemental policies to address gaps in standard medical insurance plans.
Auto Insurance
Waterstone offers customizable auto insurance policies meeting Michigan's specific legal requirements. We help clients evaluate coverage options for personal and commercial vehicles, including liability limits, collision protection, and uninsured motorist coverage. Our approach ensures competitive pricing while maintaining adequate protection against financial risks from accidents or property damage.
People
Michael W. Johnson
President
With 23 years in insurance, Michael graduated from Western Michigan University in 1999 with a finance degree. He leads Waterstone's strategic direction while balancing family life with his wife Julie and two children in Muskegon.
Stephon P. VanderWater
Account Executive
Bringing 35 years of industry experience, Stephon joined Waterstone in 2007 after working at a family-owned agency. He specializes in connecting clients with tailored insurance solutions while enjoying outdoor activities with his partner Lori.
Riley D. Walcott
Account Executive
A Grand Valley State University finance graduate, Riley combines enthusiasm with technical expertise to address client insurance needs. Outside work, he actively participates in baseball and outdoor recreation activities in West Michigan.
Julie R. Balgooyen
Health Insurance Executive
With 35 years in the insurance industry, Julie specializes in health coverage solutions. She previously worked with Blue Cross Blue Shield before establishing her agency within Waterstone's Muskegon office in 2008.
Michelle L. Sorn
Commercial Lines Account Manager
Michelle has dedicated 34 years to insurance, specializing in commercial risk management. She balances her professional expertise with family life in Muskegon, maintaining strong community connections through local business networks.
Questions
How do I file an insurance claim?
Contact our office at 231-726-4046 immediately or reach out to your carrier directly. Provide incident details, involved parties' information, and any witness contacts for prompt processing.
Can I customize my insurance coverage?
Yes, we specialize in creating tailored insurance programs. Our agents work closely with clients to develop customized solutions for personal, commercial, and employee benefit needs.
What insurance carriers do you work with?
We partner with top-tier carriers including Liberty Mutual, Travelers, Progressive, and local providers like Citizens Insurance Company to offer diverse coverage options.
How does health insurance affect auto coverage in Michigan?
Michigan's auto insurance law requires Qualified Health Coverage verification. We help clients understand PIP medical coverage options and coordinate with health insurance policies.
Do you offer 24/7 insurance support?
Yes, our team provides round-the-clock service for emergencies, claims assistance, and policy inquiries through our main office number.
