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.
Due to the large number of home insurance claims filed each year in Texas, most Texas insurance policies have started offering deductibles as a percentage of the amount of coverage. I insured my first home for $125,000. The home had a 1% deductible, so the deductible amount was $125,000 x 1% = $1,250. You can imagine how high these deductibles might be if you had a $500,000 or greater home insurance policy! Because of the variability, it's hard to say what the actual average home insurance deductible nationwide is, but generally most people prefer a deductible between $500 and $1,000. Most states won't require you to have a 1% deductible, so a $500 or $1,000 deductible is reasonable.