Which of the following does specified perils optional coverage include?

Specified perils optional coverage is designed to protect a vehicle against specific risks identified in the policy. Among these, natural disasters like earthquakes are typically included as they fall under the category of unforeseen and catastrophic events that can cause significant damage to property, including automobiles. Therefore, this type of coverage offers a level of protection against a range of perils, such as fire, theft, and certain natural disasters, making it a form of insurance that addresses specific, outlined risks.

The coverage does not generally extend to damages resulting from collisions, which are managed under collision coverage. Additionally, normal wear and tear are not covered since insurance is meant to protect against unexpected incidents rather than regular maintenance issues. Negligence-related damages, such as accidents caused by the policyholder's lack of attention or care, would also not be included, as these are typically addressed through liability coverage rather than specified perils. Thus, opting for specified perils can be particularly beneficial for those looking to safeguard their vehicle from specific high-impact events such as earthquakes.