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.
By Brandon Cornett | Â© 2014 All rights reserved. Welcome to The Average Cost of Things, where we help you get a better perspective on prices. In this article, we will talk about the average cost of a homeowners insurance policy, and what you can do to control the costs.hese figures varied from $800 to $1,100 for a homeowners insurance policy, but as mentioned they were not from official data sources. The most expensive states for home insurance coverage include Texas ($1,500 for a policy), Florida and Louisiana.