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.
Some schools will allow you to engage in CPT for as long as you are a student in the Master's program, even if that is for 2 1/2 years or more. However, as indicated above, if, in fact, you do work full time for more than a year in CPT you may not be allowed to do the additional one year of OPT after you graduate.