Uh, Are You Sure About That?

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."

Or

2. Come home to find your basement apartment under 6 inches of water, because you never thought a tropical storm would actually hit your town.