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.
If you're feeling pinched by the rates you're paying, know that you may be able to secure a less expensive policy. According to a January 2015 study by the National Association of Insurance Commissioners, the average homeowner insurance premium jumped 7.6% in 2011 and then by 5.7% in 2012.ocation, location, location Where you live makes a big difference in the rates you'll likely pay. The same study listed average rates for each state, with these results: The five most expensive states: 1  Florida ($2,084). 2  Louisiana (1,742). 3  Texas ($1,661). 4  Oklahoma ($1,501). 5  Mississippi ($1,314).