Which of the following perils is included in the Specified Perils coverage?

Specified Perils coverage is designed to protect against a list of specific risks outlined in the insurance policy. Among the options provided, theft is explicitly included within Specified Perils coverage. This means that if theft occurs, the insurance will cover the losses associated with it, ensuring policyholders have financial protection against this particular risk.

On the other hand, vandalism and flood are typically not included in this specific coverage type; they may require additional coverage or different policy options. Mechanical failure falls outside the realm of perils covered in most automobile policies, as this usually pertains to maintenance issues rather than an external risk. Understanding these aspects emphasizes the importance of reviewing your auto insurance policy to know which specific perils are included and to consider additional coverage if necessary for risks like vandalism or flooding.