Homeowners insurance covers severe damage to a home. Homeowners insurance, also referred to as hazard insurance, provides a way for a homeowner to cover her losses if a disaster should cause damage to her home.
1 If you have 365 days of CPT, you may not be able to get an OPT.  So an OPT and a CPT are similar in the way they both allows you to work legally in the U.S. You will need a CPT to work as an intern before graduation, you will need an OPT to work after completing a degree.
MLC2104-R3/2899/2-2013 Sources: Â® OPTUMâ¢ EncoderPro for Payers, Professional 2013 [Â© OptumInsight, Inc.] CPT is a registered trademark of the American Medical Association. Physician CPTÂ® rates reflect a conversion factor of $34.023 as of January 3, 2013.