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.
PDT vs PST . Difference between PDT and PST is simply an hour. However, in order to understand how that one hour difference happens as well as what that one hour time difference means, we should understand what each term refers to. PDT stands for Pacific Daylight Time and PST stands for Pacific Standard Time.