Which type of insurance offers financial protection against disasters for homeowners?

Homeowner's insurance is specifically designed to provide financial protection for homeowners against various disasters and risks that could damage their homes or personal belongings. This type of insurance typically covers events such as fire, theft, vandalism, and certain natural disasters, providing peace of mind to homeowners by ensuring they can recover the costs associated with these unexpected incidents.

Title insurance, on the other hand, protects homeowners against potential issues with the title of the property, such as disputes over property ownership or claims against the title, but does not offer coverage for physical damage to the home. Errors and Omissions insurance is primarily intended for professionals, such as real estate agents, to protect against liability from mistakes made in their services, rather than offering protection to homeowners directly. Mortgage Default Insurance is designed to protect lenders in the event that a borrower defaults on their mortgage payments, thus addressing a different aspect of financial risk associated with homeownership.

In summary, homeowner's insurance is the correct choice as it specifically addresses the need for financial protection from various disasters that can impact a homeowner's property and assets.