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.
The student has not been authorized for 12 months or more of full-time Curricular Practical Training (CPT). Note: Full-time CPT at a previous school at the same program level counts toward the 12-month total. CPT at another program level does not count toward the 12-month total. OPT Process at a Glance