Seriously, though- someone explain this State Farm ad to me

The guy in this ad is dreaming of the "perfect life" which could be protected by State Farm Insurance- he imagines his wife making lawn sculptures, his son (or somebody, I don't know- that part where he nods at dad creeps me out too much for some reason) about to dive into a swimming pool, etc in the back yard of a big suburban mansion which includes a big yard to water....

And then the daydream is interrupted, to reveal...that the guy actually does have a swimming pool in the back yard of a big suburban mansion with a big yard to water.  The only difference is that his family are real people doing real stupid hick things around that big swimming pool, and not the perfect people he was daydreaming they were.

Since State Farm isnt' going to turn his stupid hick family into a Trophy Wife and Trophy Children, it's kind of hard to see what the point is here.  State Farm can help protect this dumb, ugly family from disaster so they can keep being dumb and ugly and the bane of the neighborhood?  So when dad kills himself with the toaster and makes it look like an accident, the rest of these jackasses can live off his insurance policy?  If that's the case, well....ok, go protect that and be my guess.  If that's not the case, well....the offer is still open.  Someone, please, explain this one to me.