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.
In an earlier course we talked about CPT modifiers. HCPCS modifiers work in almost exactly the same way. The two code sets are so similar, in fact, that you can regularly use modifiers from one codeset to the other. The HCPCS modifier âLT, for example, is regularly used in CPT codes when you need to describe a bilateral procedure that was only performed on one side of the body.