Question 19 2 pts All of the following are covered under Coverage A-Dwelling of the HO-3 EXCEPT: Damage to the land on which the dwelling sits Materials that are one and to be used as a part of a renovation or addition to the dwelling O A detached garage Two of the above are not covered. None of the above are covered Question 20 2 pts What is the term that describes a situation where there is a presumption of negligence? vicarious liability O res ipsa loquitur imputed negligence O assumption of risk doctrine None of the above Question 21 2 pts Ed has an unendorsed HO-3 policy. Which of the first three situations would be covered under