Which of the following represents a legal restriction on property rights?

A restrictive covenant is a provision in a property deed that restricts the use of the property in some way. It represents a legal restriction on property rights, as it limits what the property owner can do with their property. For example, a restrictive covenant may require that all homes in a subdivision maintain a certain architectural style, or it may prohibit activities such as operating a business on residential property. This legally binding agreement is meant to maintain a certain quality or character of the neighborhood, thereby protecting property values and community standards.

In contrast, the other options do not represent legal restrictions on property rights in the same manner. Title insurance protects against financial loss from defects or issues with the title but does not place restrictions on how the property can be used. Encroachment refers to an unauthorized intrusion onto another person's property, which may create legal issues but does not itself restrict the property owner's rights in the same way as a restrictive covenant. A cloud on title indicates a potential issue with the title that may affect its validity but is not a restriction on property use.