Compare homeowners insurance quotes in Manor, TX with Freedom Insurance Group. We shop 25+ carriers and help you match coverage to the home or vehicles you actually own.
Average homeowners insurance cost in Manor, TX
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$407,400) | $1,789 | $1,127 |
| $300,000 dwelling | $1,562 | $984 |
| $600,000 dwelling | $2,198 | $1,385 |
| $1,000,000 dwelling | $2,860 | $1,802 |
The typical homeowners insurance premium in Manor, TX is about $1,789 annually for a typical local home (typical local home value about $407,400). For a $300,000 dwelling, expect around $1,562 per year; for a $600,000 home about $2,198; and for a $1,000,000 dwelling about $2,860. Freedom Insurance Group rates are often about 37% lower — near $1,127 per year for a typical home, roughly $984 for a $300,000 home, about $1,385 for a $600,000 home, and around $1,802 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,214 |
| $200,000 – $300,000 | $1,357 |
| $300,000 – $400,000 | $1,667 |
| $400,000 – $500,000 | $1,887 |
| $500,000 – $600,000 | $2,100 |
| $600,000 – $700,000 | $2,267 |
| $700,000 – $800,000 | $2,406 |
| $800,000 – $900,000 | $2,587 |
| $900,000 – $1,000,000 | $2,769 |
Band premiums are midpoints on the Manor dwelling curve (typical local home value about $407,400). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Manor, TX, using a typical local home value of about $407,400. Freedom figures apply an approximate 37% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
About Manor, TX
Roughly 7,587 people live in Manor and sits in Travis County.
Manor lies within the Travis County area, where day-to-day insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Most homes are single-family properties typical of the Travis County area; rebuild cost, roof age, and construction still explain most premium differences block by block.
Insurers in North Texas commonly factor in severe thunderstorms, hail, and tornado risk common across the Plains.
What moves home insurance rates in Manor
Manor homeowners are priced on several connected factors that underwriters check when they build a quote. Rebuild cost, roof age and material, and local storm or wildfire exposure have the biggest effect, while deductible choice and claims history can change the final premium as much as the carrier brand itself.
Replacement cost is what it would take to rebuild the home with like-kind materials at today’s prices for labor and supplies. The maximum payout follows the rebuild estimate, so bigger estimates on Manor homes usually mean bigger premiums.
Construction type and roof details also move the price: insurers ask whether walls are frame or masonry, the roof covering, and the overall build quality, since these factors shape performance in wind, hail, and fire events common across Texas.
Location risk reflects storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within Manor, so two homes with similar rebuild costs can still get different prices.
A strong fire protection profile that reflects the protection class and nearby hydrants and stations often makes a quote more competitive.
Claims history remains a major rating input: recent claims on the property or household tend to raise rates for Manor renewals and new business quotes alike.
Some carriers look at a credit-based insurance score when state rules permit; higher scores generally bring lower prices.
Ways to cut the premium in Manor, TX
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Discounts and their size depend on the carrier. Treat “up to” as the maximum, not what everyone gets.
The six parts of a home policy
- Dwelling (A): Money to rebuild the structure after a covered loss. Match it to current local construction costs.
- Other structures (B): Detached garages, sheds, fences, and similar buildings not attached to the home are protected by this part.
- Personal property (C): Belongings such as furniture and clothing in the home are covered here, though special limits can cap higher-value categories.
- Loss of use (Coverage D): This coverage can help with additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Personal liability (E): Coverage for times when you are legally responsible for injuries to others or damage to their property from a covered incident.
- Coverage F, medical payments: If a visitor is injured at your home, this can pay medical bills, often without a formal liability claim.
Manor, TX bundling home and auto
Average bundle savings, illustrated, not a guaranteed quote. Actual savings vary with carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Manor, Texas | $258 | $436 | $636 |
Areas of Manor
- Hamilton Point
- Barker Hills
- Presidential Meadows
- Presidential Glen
- Parsons Meadows
- Wildhorse Creek
- Stonewater
- Hidden Lake Estates
- The Post Oak
- Lockwood Acres
- Kimbro Creek Estates
- Lockwood Farms
- The Grassdale
- Prose Manor
- Commons
- Meadow Ridge
- Fieldstone
- High Meadow
- Briarcreek
- The Flats at Shadowglen
What public data says about Manor homes
NOAA storm records show 6 hail reports within about 5 miles of Manor from 2016 through 2025 (5 at one inch or more). The largest measured 2 inches in March 2021 around Dessau.
Occupied homes in Manor are heated mostly with electricity (77%) and utility gas (19%).
Tornadoes are part of the picture too: NOAA lists 3 tornadoes starting within 10 miles of Manor between 2016 and 2025, the most intense an EF2 during March 2022.
ACS 2020–2024 estimates put about 6,810 housing units in Manor, and owner-occupants live in about 75% of the occupied homes. Looking at building types, 81% are detached single-family houses and 17% are in buildings with two or more units.
In FEMA’s National Risk Index, Travis County rates above the low end for hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Relatively Moderate”).
From 2000 on, Travis County has been part of 15 major disaster declarations; the most recent was Severe Storms, Straight-Line Winds, and Flooding (July 2025).
Manor’s median year built is 2015. Roughly 74% of homes went up in 2010 or later, and age-of-home discounts are often in play.
By the historical record, Manor was founded in 1872 and incorporated in 1913. Census counts put Manor at 1,204 residents in 2000 and 5,037 in 2010, and the Census Bureau’s July 2024 estimate is 21,500. That works out to about 1686% more residents than in 2000.
Earlier hail records help too: SPC data show 10 hail reports within 5 miles of Manor between 1955 and 2015, the largest 2 inches on June 21, 2008. Reports of 2-inch or bigger hail number 1 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 21 tornadoes that began within 10 miles of Manor from 1950 through 2015, the strongest an F3 on April 30, 1954.
Comparing homes in nearby towns? Nearby home insurance pages: Pflugerville (7 mi), Wells Branch (10 mi), and Elgin (10 mi).
ZIP codes we cover in and around Manor
78653
Keep exploring Texas insurance resources
Quote homeowners coverage in Manor, TX
For Manor residents, Freedom Insurance Group compares 25+ carriers. Reach us at (800) 253-1482 or start a free home quote online.
