SponsoredUh, Are You Sure About That?Studio@Gizmodo9/07/10 11:59amFiled to: This/ThatJezebelAdvertisement0EditPromoteShare 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."Or2. Come home to find your basement apartment under 6 inches of water, because you never thought a tropical storm would actually hit your town.