Adding my two cents.
I just moved from Linux Fedora 14 to Fedora 20,
then donwloaded/installed Apache (which is no longer on
the install DVD), and ran into this "You don't
have access" problem, until I found that SELunix
was the culprit. Depending on your flavour of
Linux, this might apply to some of you as well.
To find out whether SELinux is active, enter
"getenforce". If you get "Enabled" then look
in "/var/log/audit/audit.log".
You might see lines like
... denied { getattr } ... comm="httpd" path="/var/www/html/index.html"
Then decide whether
1) You DON'T want/need SELunix. Then edit
"/etc/selinux/config" and change the relevant
line to "SELINUX=disabled", then reboot.
2) You DO want/need SELunix. Then study SELunix
and change whatever settings. (I can't help
you with this, since I opted for 1 above.)