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.
1 Time limit: Pre-completion OPT has a time limit of 12 months whereas there is no limit on the number of months for CPT. 2  Effect on (post-completion) OPT time: Pre-completion OPT counts toward the 12 month OPT limit (thus cutting into the length of possible time that can be spent on post-completion OPT). Time limit: Pre-completion OPT has a time limit of 12 months whereas there is no limit on the number of months for CPT. 2  Effect on (post-completion) OPT time: Pre-completion OPT counts toward the 12 month OPT limit (thus cutting into the length of possible time that can be spent on post-completion OPT).