11. Steve owns a home insured under the HO-3 policy. While Steve was painting his living room, he accidentally dropped an open paint can from his ladder which spilled onto his wall-to-wall carpet and sofa. The carpet and sofa were damaged beyond repair and needed to be replaced. What damage to Steve's property is covered under his HO-3? The damage to the carpet is covered; the damage to the sofa is not covered. None of the damage is covered. The damage to the sofa is covered; the damage to the carpet is not covered. Damage to the carpet and sofa are both covered. 44. A personal umbrella policy provides coverage for a particular loss, but the underlying policies do not. This feature of an umbrella policy is called Retention. Laser coverage. Drop-down coverage. Self-insurance