We Have Programs for Every Kind of Personal Coverage Need

Personal Insurance

Customized Personal Plans
Our projects are unique and created for each individual customer to help solve specific coverage problems.

We can structure a personalized insurance program that meets your needs. Because we are a valued partner with many insurance carriers, Waterstone carefully monitors your personal insurance risk to make sure your coverage is priced in the most competitive program.

Our auto insurance coverage is designed to give drivers customizable plans and the confidence that no matter the situation, Waterstone has them covered. Contact us today to evaluate your current coverage and get a quote that best suits your automobile needs.

Your home is more than just a structure – it’s years of memories, cherished items, and loved ones. Find the home insurance you deserve with Waterstone Insurance to keep all of your prized possessions protected. Contact us today for a customized quote.

It’s not a matter of “if” your condominium will need maintenance, it’s a matter of “when”. If you reside in or rent out your condominium, cover the cost of repair to your unit with insurance from Waterstone. Contact us today for a quote to cover your condominium. 

Personal umbrella provides two types of coverage: defense costs and liability to protect your assets during a lawsuit. Umbrella insurance is highly recommended if you have assets worth at least $1 million. Contact Waterstone Insurance Agency today to see which of your assets need coverage before it’s too late.

If you are looking for mobile home insurance, Waterstone has you covered. Contact us today to discuss how to best protect your mobile home from specific damages due to routine maintenance, weather, wear and tear, and more.

We know your passion for riding, so we matched our insurance value to give you the best coverage and peace of mind. Let Waterstone Insurance Agency offer you the best recommendations based on personalized coverage for your motorcycle/ATV. Contact us today for a quote!

Taking your RV on a trip will create fun memories that can last a lifetime. Similar to car insurance, recreational vehicle insurance is necessary to ensure liability, collision, and comprehensive limits are established. Contact us today for a customized insurance plan for your recreational vehicle.

Whether you are renting a house or an apartment, renters insurance is essential to keep your assets protected from circumstances such as fire, theft, water damage, and more. If you are looking at renting, contact Waterstone Insurance Agency to start your insurance policy today.

Getting outdoors and playing in the snow is just one of the ways Michiganders make the most out of the winter season. If you regularly take your snowmobile out for a spin, ask Waterstone how we can better protect you from paying out of pocket for personal injuries and property damage.

From jet skis to boats, watercrafts can be one of the most fun ways to spend a hot summer day in West Michigan. However, towing and wreckage can be costly and completely drain your pockets. Contact Waterstone Insurance Agency today to get a customized policy based on your personal watercraft items.

Weather damage can severely depreciate the value of your collector car and affect its look and functionality. Your prized car deserves the coverage it takes to protect it. Let Waterstone Insurance give you a customized quote based on your collector vehicle.

Need to inquire about personal insurance coverage that isn’t listed? No worries! Waterstone Insurance Agency can create customized plans ensuring the right coverage for any situation. Contact us today to get started. 


No intimidation here. Our team is ready to answer any questions, any time.


You’re more than just a client, you’re a friend and a respected member of our community. Expect to see us at the next BBQ!

How much will it cost to insure my family?

There are many factors that go into determining the right coverage for you and your family. Talk to an expert at Waterstone Insurance so we can get to know your unique situation and to get a customized quote.


Do I need to tell you when my son/daughter turns 16?

It isn’t necessary to inform your insurance agency that your child has turned 16. The only time you need to let them know is when they obtain their driver’s license. But don’t be hesitant to let us know when their birthday is. We’d be happy to celebrate!


What insurance companies do you represent?

We work together with several insurance companies, both local and regional. Waterstone Insurance is here to determine the best plan for you and your family. Contact us today to get started.


Can I inquire about coverage that isn’t listed in my policy?

Yes, you can! Waterstone Insurance quotes are completely customizable to your unique needs. If something isn’t listed in your current plan, give us a call to get an adjustment to your plan today.