【There is】arimasu（あります）imasu（います）How do you use both properly?

Описание: The meaning of "imasu" and "arimasu" is "There is"and "have".
"Imasu" is used to express things and concepts, and "arimasu" is used to express living things.
【For example】
じかんがあります。I have time
ようじがあります。I have something to do
へやにねこがいます。There is a cat in the room.
つくえのうえにむしがいます。There are insects on the desk.

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