Personal Insurance You can expect great rates, great discounts, exceptional coverage and service. Call Waterstone for all of your personal insurance needs!
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Commercial Insurance Custom insurance solutions to protect your company and employees' future. Call Waterstone for your commercial insurance needs!
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Benefits Individual or group policies including Health, Life, Disability, Dental, Vision, Long Term Care and Medicare Supplemental insurance.
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Serving West Michigan for over 100 Years

Waterstone Insurance Agency is the second oldest operating business in Muskegon County. The company, along with its predecessors, has been serving the insurance needs of Western Michigan for over 100 years. We like to think that our age has made us wiser while we pride ourselves in our ability to adapt to changing markets. Waterstone employees are committed to a high standard of excellence in all that we do to ensure a firm relationship of mutual trust and service with each of our clients.

Currently, Waterstone Insurance Agency serves the insurance needs of about 10,000 individuals, families, and businesses throughout Michigan. We offer a wide array of coverage, including business and personal insurance and life, health, group and disability coverage.

Waterstone Insurance Agency is large enough to offer an excellent array of insurance products and companies, but still small enough to provide our clients with the service for which we are known.

Waterstone Insurance Agency's downtown Muskegon office is truly a one stop insurance agency. Our office includes a state-of-the-art computer system that includes special rating software that calculates real time rate comparisons with the most reputable and recognized insurance carriers in the industry. We are also connected online with all our carriers allowing us to promptly process claims and policy changes.

Our Mission:

To provide complete insurance services for the individual and commerce at competitive prices with prompt, professional and courteous service.

Our Core Values:

  • We are an independent insurance agency. We work for our client and place insurance coverage with only the finest insurance carriers the industry has to offer.


    We pride ourselves on personal service. The lost art can be found at Waterstone Insurance Agency 24 hours a day, seven days a week.

  • Our honesty and integrity is second to none. We value our client's trust. All client information is treated with strict confidentiality.

  • We will continue to grow in the ways we communicate with our customers and will stay abreast of technological changes which will enhance our abilities to contact and be contacted.



Member of Associated Builders & Contractors of Michigan, National Association of Home Builders, National Restaurant Association, Muskegon Lakeshore Chamber of Commerce, Michigan Association of Insurance Agents, Michigan Association of Home Builders and Michigan Restaurant Association.
Waterstone Insurance Agency, Inc.
565B West Western Ave
Muskegon, MI 49440
Phone: 231-726-4046
Fax: 231-726-4294

Our Location & Operating Hours

Our Address:
565 West Western
Muskegon, MI 49440
Hours of Operation:
Mon. to Fri. 8am to 5pm