SENSORS FOR USAGE-BASED PROPERTY INSURANCE
First Claim
Patent Images
1. A method comprising:
- receiving, at an insurance provider server, sensor data indicative of an insurance risk associated with the insured property, wherein the sensor data originates from at least one sensor located at the insured property; and
determining, based at least in part on the received sensor data, a risk-adjusted insurance premium for an insurance account associated with the insured property to compensate for the insurance risk associated with the insured property.
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Abstract
A method includes receiving, at an insurance provider server and from at least one sensor located at an insured property, sensor data indicative of an insurance risk associated with the insured property. The method also includes determining, based at least in part on the received sensor data, a risk-adjusted insurance premium for an insurance account associated with the insured property. The risk-adjusted insurance premium compensates for the insurance risk associated with the insured property.
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Citations
20 Claims
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1. A method comprising:
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receiving, at an insurance provider server, sensor data indicative of an insurance risk associated with the insured property, wherein the sensor data originates from at least one sensor located at the insured property; and determining, based at least in part on the received sensor data, a risk-adjusted insurance premium for an insurance account associated with the insured property to compensate for the insurance risk associated with the insured property. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. An insurance provider server comprising:
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a memory configured to store sensor data that originates from at least one sensor located at an insured property, wherein the sensor data is indicative of an insurance risk associated with the insured property; and a processor operatively coupled to the memory and configured to determine, based at least in part on the received sensor data, a risk-adjusted insurance premium for an insurance account associated with the insured property, wherein the risk-adjusted insurance premium compensates for the insurance risk associated with the insured property. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17)
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18. A non-transitory computer-readable medium having instructions stored thereon for execution by a computing device, wherein the instructions comprise:
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instructions to receive sensor data that originates from at least one sensor located at an insured property, wherein the sensor data is indicative of an insurance risk associated with the insured property; and instructions to determine, based at least in part on the received sensor data, a risk-adjusted insurance premium for an insurance account associated with the insured property, wherein the risk-adjusted insurance premium compensates for the insurance risk associated with the insured property. - View Dependent Claims (19, 20)
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Specification