In support of our holding in Alabama Plating that the owned-property exclusion does not preclude coverage for the costs of remediating groundwater contamination, we cited numerous cases addressing groundwater spread. In Claussen v. Aetna Casualty & Surety Co., 7 54 F. Supp. 157 6 (S.D. Ga. 1990), Aetna's insurance policy did not cover claims based solely on damage to its insured's property. According to Aetna, the pollution discharge from the property damaged only the groundwater beneath the insured's own land, and Aetna asserted that under Georgia law a property owner owns all that is below and above his property.