What is the definition of Insurance Zip Code Rating?

An 'insurance zip code rating' is like a secret password to your financial safety net, but instead of locking away burglars, it locks away the possibility of a car crash. It's basically a code that tells you how safe your home is in case of an accident, natural disaster, or even just a really bad hair day.

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Example sentence: "The insurance zip code rating of 80001 is so high, it's like they're convinced a unicorn lives in their neighborhood and they've decided to just take a 'precautionary' measure against the occasional hobbit who thinks their house is too fancy for its size."