Actually jesda, I think that he is asking about the stock option upgradees that you can add, not stuff like aftermarket upgrades like stereo upgrades and stuff. When it comes to aftermarket upgrades, I totally agree that it would not be covered unless you have speical coverage which is very expensive.
But for the stock upgrades, that is a whole different grey area. I imagine that if the car (say a plain jane 93 intrepid) had the opportunity to have those upgrades, they could be covered, however if your version of the car could have not had them due to your trim level, I guess that would be up to the insurance company and how much ignorance the insurance company has. Its not like that kind of stuff will get damaged in an accident anyway.
When you get insurance for your car, just tell them that it is loaded and ask them if those options would be covered.