Which covenant is represented when a neighbor has an easement over the property?

The correct choice highlights the covenant against encumbrances. When a property has an easement, it is recognized as a legal right that allows a neighbor to use a portion of that property for a specific purpose. This situation directly relates to the covenant against encumbrances, which guarantees that the property is free from any encumbrances, such as easements, unless they have been disclosed.

By acknowledging the existence of an easement, one recognizes that the property has a specific burden placed on it, which is an encumbrance. If the covenant against encumbrances were breached, it could mean that the property owner did not disclose the easement to a potential buyer or that the property was assumed to be free of such encumbrances when, in fact, it was not. Therefore, understanding easements as encumbrances is vital in real estate law, reinforcing the protection provided by the covenant against encumbrances.