Michelle, who lives in a subdivision with a Homeowners' Association, had a large living oak tree blow down in a windstorm and damage her neighbor's Porsche. She has an unendorsed Special Form HO-3 homeowners' policy and a $1 million-dollar personal umbrella policy. Under which policy can the neighbor expect to find coverage for his loss?

The Property and Casualty Insurance Agent Licensing exam tests your knowledge of: Types of policies, bonds, and related terms, Insurance terms and related concepts, and Policy provisions and contract law under national and state insurance law.