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.
Well, according to the National Association of Insurance Commissioners, the average cost for homeowners insurance in 2006 was around $804. This is a national average, and some states are much higher and lower than this number. We will get to the most and least expensive states in just a moment.