Preheat your oven to 350°F (175°C) and position the rack in the center. Lightly grease a 9x5-inch loaf pan and line it with parchment paper, leaving an overhang on the sides for easy removal.
In a medium bowl, whisk together the flour, baking soda, baking powder, salt, and all the spices (cinnamon, nutmeg, cloves, and ginger).
In a large bowl, whisk together both sugars and oil until well combined. Add eggs one at a time, beating well after each addition until the mixture becomes slightly lighter in color.
Stir in the pumpkin puree and vanilla extract until everything is fully incorporated.
Gradually add the dry ingredients to the wet mixture, stirring just until combined. Do not overmix.
Gently fold in the diced apples, ensuring they're evenly distributed throughout the batter.
Transfer the batter to your prepared loaf pan and smooth the top with a spatula. If using the optional topping, mix the turbinado sugar and cinnamon together and sprinkle evenly over the batter.
Bake for 60-65 minutes, or until a toothpick inserted into the center comes out with just a few moist crumbs attached. If the top begins to brown too quickly, tent it with aluminum foil after 45 minutes of baking.
Allow the bread to cool in the pan for 10 minutes, then use the parchment overhang to lift it out onto a wire rack to cool completely for at least 30 minutes before slicing.