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.
If we were converting between these two time zones, there would be a two hour difference. PDT is seven hours behind Coordinated Universal Time (UTC) so it is written as UTC -7:00. EST is five hours behind UTC, written as UTC -5:00. Hereâs an example: If it is 2:15 PM in Pacific Daylight Time, then it is 4:15 PM in Eastern Standard Time. This gap widens when both zones are off of DST in the winter months. When both standard times are in effect, the difference is three hours.