A lender who discovers that the borrower's property has no access to a public street would be protected under

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When a property has no legal access to a public street, the risk challenged by a lender is that the title might be up against a street access dispute or even a “landlocked” situation that could affect use and value. This kind of issue isn’t typically covered by a standard lender’s title policy. Extended coverage, offered under ALTA forms, is designed to insure against additional risks that aren’t revealed by basic title searches, including lack of legal access to the property. So, a lender relying on title insurance would be protected under an ALTA Extended Coverage Policy, which closes the gap that standard coverage leaves when access rights are uncertain or absent. The other options don’t provide that protection: the standard policy generally excludes lack of legal access, and a generic lender policy won’t cover this added risk; claiming there’s no coverage at all is incorrect because extended coverage specifically addresses it.