1 Heating pads and hot water bottles can be used on larger surfaces needing heat.  Moist warmth. Towels or washcloths can be soaked in warm water, wrung out, and placed on the area. Moist warmth is more effective in relieving muscle pain than dry warmth.
The average cost of Texas home insurance is about $1,409 a year, but because the most common nationwide policy (the HO-3) is not available in Texas, the average home insurance rates of states that might otherwise be similar appear to be much, much lower.he average cost of an HO-3 policy in California, for example, is $937 a year; while this seems like a markedly more affordable market, the fact that Californians have different policy forms to choose from than Texans do skews the comparison dramatically.
Found This Helpful. Homeowners insurance costs in Texas are based, in part, on the type of coverage that is needed and the types of perils or losses that can occur. These can include losses that result from storms or weather, fire and theft.he average cost of homeowners insurance in Florida was $804 in 2006, according to homeinsurance.com, ... The Average Cost of Homeowner's Insurance...