What is the test for determining if a provision in an insurance contract is ambiguous?

federal, United States of America

The following excerpt is from Arciniega v. Clark (In re Arciniega), Adv. No. 6:11-ap-01735-SY, BAP No. CC-17-1154-SAKu (B.A.P. 9th Cir. 2017):

Insurers v. Sup. Ct., 146 Cal. App. 4th 648, 656 (2007) ("In determining if a provision is ambiguous, we consider not only the face of the contract but also any extrinsic evidence that supports a reasonable interpretation.").

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