HOME SENSOR DATA GATHERING FOR INSURANCE RATING PURPOSES
First Claim
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1. A computer-implemented method of incentivizing low-loss behaviors, the method comprising:
- receiving, via a computer, in-home data that is generated by, or based on information generated by, a device located at a residence of an individual, wherein the in-home data is indicative of one or both of (i) a utilization of the device and (ii) a condition monitored by the device;
determining, via a computer and based on the received in-home data, an insurance premium adjustment for the individual; and
providing, via a computer, an indication of the determined insurance premium adjustment.
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Abstract
In a computer-implemented method of incentivizing low-loss behaviors, in-home data is received. The in-home data is generated by, or based on information generated by, a device located at a residence of an individual, and is indicative of one or both of (i) a utilization of the device and (ii) a condition monitored by the device. The method also includes determining, based on the received in-home data, an insurance premium adjustment for the individual, and providing an indication of the determined insurance premium adjustment.
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Citations
24 Claims
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1. A computer-implemented method of incentivizing low-loss behaviors, the method comprising:
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receiving, via a computer, in-home data that is generated by, or based on information generated by, a device located at a residence of an individual, wherein the in-home data is indicative of one or both of (i) a utilization of the device and (ii) a condition monitored by the device; determining, via a computer and based on the received in-home data, an insurance premium adjustment for the individual; and providing, via a computer, an indication of the determined insurance premium adjustment. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A non-transitory computer-readable storage medium comprising computer-readable instructions to be executed on one or more processors of a system for incentivizing low-loss behaviors, the instructions when executed causing the one or more processors to:
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receive in-home data generated by, or based on information generated by, a device located at a residence of an individual, wherein the in-home data is indicative of one or both of (i) a utilization of the device and (ii) a condition monitored by the device; determine, based on the received in-home data, an insurance premium adjustment for the individual; and provide an indication of the determined insurance premium adjustment. - View Dependent Claims (17, 18, 19)
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20. A computer-implemented method of identifying and incentivizing low-loss behaviors, the method comprising:
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receiving, via a computer, first in-home data generated by, or based on information generated by, a plurality of devices located at a plurality of residences associated with a plurality of individuals; receiving, via a computer, claims data associated with the plurality of individuals; determining, via a computer and based on the first in-home data and the claims data, one or more in-home data patterns corresponding to an increased or decreased probability of incurring a recognizable loss; receiving, via a computer, second in-home data generated by, or based on information generated by, a device located at a residence of an insurance policy holder; determining whether the received second in-home data matches at least one of the one or more determined in-home data patterns; in response to determining that the received second in-home data matches at least one of the one or more determined in-home data patterns, determining an insurance premium adjustment for the insurance policy holder; and providing an indication of the determined insurance premium adjustment. - View Dependent Claims (21, 22, 23, 24)
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Specification