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. 

Did You Know That Your Health Insurance Can Affect Your Auto Insurance?

Under Michigan’s new auto insurance law, drivers can choose from six different Personal Injury Protection (PIP) medical coverage levels when they buy or renew their auto insurance, which covers medical bills and other expenses if you are injured in an auto accident. For people who have Qualified Health Coverage (QHC), two options allow you to remove PIP medical coverage for yourself and/or eligible household members.

To count as QHC, your health insurance policy must not exclude or limit coverage for auto accident injuries and must have an individual deductible of $6,000 or less. Medicare Parts A and B or Medicare Advantage also count as QHC, but please note VA Health Benefits do not count as QHC.

If someone in your household does not have PIP medical coverage and has a change in their health insurance, you must A.C.T.:

A – Ask your auto insurance company or agent about your PIP medical coverage choice and find out if you need QHC to maintain your current selection.

C – Contact your health insurer to determine if your new policy counts as QHC and to get an updated QHC letter.

T –Tell your auto insurance company immediately if you lose your QHC. You have 30 days to obtain replacement health insurance or make a different PIP medical selection, or you risk not having medical coverage for yourself and your family in the event of a crash.

If you are interested in learning more or have questions, visit Michigan.gov/AutoInsurance or call the Michigan Department of Insurance and Financial Services Monday through Friday 8 a.m. to 5 p.m. at 833-ASK-DIFS (275-3437).

Article 2:

Michigan’s New Auto Insurance Law: Maintain Medical Coverage to Avoid Personal Liability for Medical Costs

Michigan’s new auto insurance law gives drivers new choices so they can save on their auto insurance.

Drivers can now choose the level of Personal Injury Protection (PIP) medical coverage that meets their needs and budget, which covers medical bills and other expenses if you’re injured in an accident. People with Qualified Health Coverage (QHC) may also choose to remove PIP medical coverage for themselves and/or household members. In that event, it is very important to take quick action if your health coverage is cancelled or changes:

You have 30 days after losing QHC to add PIP medical to your auto insurance policy or find replacement health coverage, or you risk not having medical coverage for yourself and your family in the event of a crash.

This applies to any family members who do not have PIP medical coverage, so be sure to review your auto insurance choices any time anyone in the household has a change in health insurance.


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.