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.
Best Homeowners Insurance Companies in Texas. Our team looked at annual homeowners insurance rates across 29 underwriters in the state of Texas for a sample 10-year old house that was worth $150,000 with a brick veneer.he team of analysts here at ValuePenguin recently took a closer look at homeowners insurance rates in TX across almost 300 of the state's cities. And while the state average was $1,639, what we also found was a large disparity between what homeowners pay depending on which part of Texas you call home.