The Owner's Title Insurance Policy Developed by the American Land

The owner's title insurance policy developed by the American Land Title Association insures the owner against all of the following losses except:

A) when the property loses value due to zoning and building ordinances.
B) when the owner lacks a right of access to his property.
C) when the property is subject to a lien or encumbrance.
D) when the land actually belongs to someone else.
E) when the title to the land is not marketable.