Which type of optional auto coverage includes theft due to a household member?

The correct choice encompasses comprehensive protection against various risks, including theft. Specifically, All Perils Coverage is designed to include the risks of both comprehensive and collision coverage, providing broader protection than either type alone.

In the context of theft due to a household member, All Perils Coverage is particularly relevant because it covers theft not only from external parties but also from someone residing in the same household. This is a significant aspect that distinguishes it from the other types of coverage available.

Comprehensive Coverage focuses primarily on non-collision incidents, such as theft, vandalism, and natural disasters, but it typically does not cover theft by a household member. Collision Coverage, on the other hand, is limited to damages resulting from a collision with another vehicle or object, thus it does not address theft at all. Specified Perils Coverage provides a limited list of covered events, and theft by a household member may not be included in that list, therefore offering less protection than All Perils Coverage in this scenario.