Home Insurance

Your Houston Metro Area Home Is Important, Make Sure It’s Protected. Our goal is to provide better coverage for the same or less money than you are paying now 

Your Houston Metro Area Home Is Important, Make Sure It’s Protected. Our goal is to provide better coverage for the same or less money than you are paying now 

You have to ask yourself…

What would happen if a disaster such as Hurricane, Fire/Lightening or theft struck your home tomorrow? Are you confident you’re properly covered for damages or a total loss? Would you be required to pay some or all the repairs out of pocket?

These questions are crucial to address, because you can’t get insurance after disaster strikes—and that can happen at anytime.

More importantly, when you're facing a crisis, you’ll feel less pressure knowing when you purchased your coverage, our experienced staff members explained your coverage options so you could make an informed decision, which helped you select the right insurance protection for you 

MR Insurance Group (Mellisa Ray Insurance Agency) has over a 100 years of experience in serving The Houston Metro area and the entire state of Texas for YOUR homeowners and property protection needs.

We offer a wide spectrum of carriers for Homeowner's Insurance and will customize a plan to fit your needs and your budget.  Our carriers include: Nationwide, Allstate, Safeco, Travelers, Met Life and many others.  Whether your home is water front (coastal or lake), rural, inner city or suburban we have a selection of quality carriers to fit your needs.

We serve The Woodlands, Spring, all of Montgomery and Harris counties, Houston, Tomball, Kingwood, Clear Lake, Nasa, Galveston county, Katy, Missouri City, and anywhere else in the state of Texas.

Please contact us, you'll be happy you did, call 281-364-999 or email response@mrayinsurance.com.

Thank You 

Mellisa Ray  


What is Home Insurance for?

Home insurance covers the hazards that most homeowners face—everything from fire to theft, to accidents on your property. When a loss occurs, you will file a claim with your insurance carrier and you are paid for the expenses, minus any outstanding deductible amounts.

Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.

For instance, if someone slips and falls in your home, or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.

Some of the exposures You need Home insurance to protect you from :

  • Storm damage, fire, windstorm, lightning and hail, to name a few.
  • Trampoline or swimming pool liability insurance
  • Wind damage
  • Sewer or septic backups
  • Replacement cost for personal property

When you have a relationship with MR Insurance Group an independent insurance agent, you have the chance to explore all your options for insurance, and protect the things that are most important to you.

Little known facts about Texas Homeowners Insurance

There are many things about insuring a home that most consumers aren’t aware of. We are here to help you avoid potential problem areas, some of the coverage options available :

  • In Texas the Windstorm & Hurricane deductible is the most important thing to check on your policy-don't wait until its too late and you owe thousands more for your deductible than other types of losses 
  • Coverage for a slow leak water loss is an endorsement on most policies-not included 
  • Sewer back-up coverage is an important low cost endorsement 
  • A Texas Homeowners policy does not include Flood Insurance
  • Optional jewelry and other valuables coverage
  • Replacement cost on contents optional endorsement
  • Equipment Breakdown endorsement
  • Identity Theft endorsement
  • Foundation coverage endorsement 
  • IMPORTANT: Combine your Home and Auto policies (and others) for BIG discounts on both policies 

Who Needs to Insure Their Texas Home(s)?

  • Single Family Homes
  • Home that YOU rent
  • Homes you rent to others 
  • Townhouses
  • Condos
  • Second Homes 
  • Manufactured homes
  • Mobile homes 

Why MR Insurance Group is Different

You may think you want the cheapest insurance you can find, but please realize you may be getting a lot less coverage for specific types of common losses than you thought like:

  • Roof Damage
  • Water Losses
  • Hurricane Coverage
  • Jewelry and other high priced personal items
  • Identity Theft
  • Equipment Breakdown
  • Unless you purchase a separate flood policy-YOU HAVE NO COVERAGE EVER

Our agencies goal is to provide you better coverage for the same or less $money$ than you are paying now 

While most insurance products are similar, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your home.

MR Insurance Group has been in business for over 28 years right here in The Woodlands Texas, helping Texas families like yours protect their investment in their home. We protect property and the people are clients care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Let the professionals at our agency help you forge a strong shield to protect the things you are working hard to build.

We look forward to getting to know you and working with you.

Thank You 

Mellisa Ray 

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