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.
OPT is a 1 year work permit given to students after completing graduate degree program in the United States. You have to find a job within 90 days of that 1 year period after graduation, or else you become out of status. If your employer is enrolled in the eVerify program, you can get up to 29 months of OPT. You have to apply for H-1B visa while in OPT.