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.
So (to extend the analogy with dentistry), whereas the education of an optometrist is similar to that of a general dentist, the education and training of an ophthalmologist are more similar to that of an oral surgeon. An optician is not an eye doctor, but opticians are an important part of your eye care team.