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 the Optional Practical Training whereas EAD is the employment authorization document. The H1B is a nonimmigrant visa classification for workers employed in the specialized field. It permits the foreign residential to work temporarily in the U.S. and perform services in a prearranged professional job.