Insuring provision number 4 of the Owner Policy, number 3 of the Mortgagee Policy and covered Title Risk of the Residential Owner Policy insures against loss or damage because of “Lack of a right of access to and from the land.” The Policy insures legal right of access to and from the land. However, it does not insure the physical condition of that access. The examination of the title must determine that the land has access. If the access is provided by an easement, the examination must include that easement, even if the easement will not be described in the Policy.