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.
IIAT examined Texas Department of Insurance data on homeowners rates from 2002 through 2008 and came up with a statewide average premium cost per thousand dollars of property value for the study years.hey say that when studied on a cost per $1,000 of property value, homeowners insurance premiums have fallen fairly steadily since 2002. And the information agents need to show those statistics to their customers is contained in their agency management systems.