SponsoredUh, Are You Sure About That?Studio@Gizmodo9/07/10 11:59amFiled to: This/ThatFiled to: This/ThatThis/ThatGizmodoAdvertisementSaveEditEmbiggenSend to EditorsPromoteShare to KinjaToggle Conversation toolsGo to permalink Suit yourself, but State Farm would definitely put you at ease with their comprehensive insurance coverage. So let's try this again.Would you rather:1. Return rested and relaxed from an incredible tropical vacation, saying annoying things like, "It's OK. I'm on island time."AdvertisementOr2. Come home to find your basement apartment under 6 inches of water, because you never thought a tropical storm would actually hit your town.