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.
The average annual cost of the most commonly sold policy in Texas was listed at $1,578, well above the national average of $978. That figure represented an increase of about 1 percent from last year.Florida soared to No. 1 with an average premium of $1,933, while Louisiana jumped to $1,672.Experts said part of the reason for the huge increase in Florida was the inclusion of coastal policies issued by the stateâs windstorm insurance pool.lorida soared to No. 1 with an average premium of $1,933, while Louisiana jumped to $1,672. Experts said part of the reason for the huge increase in Florida was the inclusion of coastal policies issued by the stateâs windstorm insurance pool.