Rights of the government to appropriate land for a highway is not covered in which policy type?

The owner's policy specifically provides coverage for an individual property owner, protecting against title defects that may arise and affect their ownership rights, such as claims from third parties or issues related to the title's history. However, it does not cover governmental rights to appropriate land, commonly known as the right of eminent domain, which allows the government to take private property for public use, such as constructing a highway.

In contrast, a loan policy is more focused on lender interests and typically may include provisions concerning governmental actions that affect collateral. A title insurance policy is a broader term that often encompasses various specific policies, such as both owner’s and loan policies, providing protection against undisclosed risks and title defects. An easement policy, specifically, deals with rights to use a portion of someone else's property and could include rights that relate to land usage by the government or others.

Thus, while the owner's policy safeguards individual property ownership from private claims and defects, it does not extend to cover the government's inherent right to appropriate land, making it the correct answer in this context.