Systems and methods for marketing and/or servicing personal property insurance
First Claim
1. A system for providing a price to insure personal property, said system comprising:
- a processor;
a computer-readable medium coupled to the processor and storing a plurality of instructions, which, when executed, cause the processor to provide the price to insure the personal property, the plurality of instructions comprising;
instructions that cause the processor to display a plurality of categories of personal property;
instructions that cause the processor to receive, from a user, a selection of at least one category of the plurality of categories of personal property;
instructions that cause the processor to receive, from the user, an indication of value of personal property to be insured in the at least one category of the plurality of categories of personal property;
instructions that cause the processor to consult a database of policyholders;
instructions that cause the processor to determine, based on said database, that said user has a homeowner'"'"'s insurance policy with an organization that is being requested to issue personal property insurance on said personal property;
instructions that cause the processor to retrieve location information associated with said user from data associated with said homeowner'"'"'s insurance policy;
instructions that cause the processor to provide, to said user, the price to insure said personal property based on said indication of value and on said location information; and
instructions that cause the processor to communicate, to said user, an explanation of a difference between insuring said personal property though said homeowner'"'"'s insurance policy and insuring said personal property though a personal property insurance policy.
1 Assignment
0 Petitions
Accused Products
Abstract
Insurance coverage on valuable personal property (“VPP”) can be marketed and/or serviced through an expert system that interacts with a user through a web site and web browser. VPP coverage tends to have many facets and complexities, and a system can be used to explain the various complexities and to guide said user through the process of selecting coverage, obtaining a quote, and purchasing said policy. The system can provide various forms of user education, such as graphical and/or text screens that explain features of coverage, can also provide said user with a linear process flow for those tasks that can be accomplished simply, and can involve a human representative for more complicated tasks.
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Citations
18 Claims
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1. A system for providing a price to insure personal property, said system comprising:
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a processor; a computer-readable medium coupled to the processor and storing a plurality of instructions, which, when executed, cause the processor to provide the price to insure the personal property, the plurality of instructions comprising; instructions that cause the processor to display a plurality of categories of personal property; instructions that cause the processor to receive, from a user, a selection of at least one category of the plurality of categories of personal property; instructions that cause the processor to receive, from the user, an indication of value of personal property to be insured in the at least one category of the plurality of categories of personal property; instructions that cause the processor to consult a database of policyholders; instructions that cause the processor to determine, based on said database, that said user has a homeowner'"'"'s insurance policy with an organization that is being requested to issue personal property insurance on said personal property; instructions that cause the processor to retrieve location information associated with said user from data associated with said homeowner'"'"'s insurance policy; instructions that cause the processor to provide, to said user, the price to insure said personal property based on said indication of value and on said location information; and instructions that cause the processor to communicate, to said user, an explanation of a difference between insuring said personal property though said homeowner'"'"'s insurance policy and insuring said personal property though a personal property insurance policy. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method of providing a price to insure personal property, the method comprising:
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providing a computer having a processor and memory; displaying a plurality of categories of personal property; receiving, from a user, a selection of at least one category of the plurality of categories of personal property; receiving, from the user, an indication of value of personal property to be insured in the at least one category of the plurality of categories of personal property; consulting a database of policyholders using the processor; determining, based on said database and using the processor, that said user has a homeowner'"'"'s insurance policy with an organization that is being requested to issue personal property insurance on said personal property; retrieving, using the processor, location information associated with said user from data associated with said homeowner'"'"'s insurance policy; providing, to said user, said price to insure said personal property based on said indication of value and on said location information; and communicating, to said user, an explanation of a difference between insuring said personal property though said homeowner'"'"'s insurance policy and insuring said personal property though a personal property insurance policy. - View Dependent Claims (8, 9, 10, 11, 12)
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13. A non-transitory computer-readable medium comprising computer-readable instructions for providing a price to insure personal property, said computer-readable instructions being executed by a computer and comprising instructions to:
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display a plurality of categories of personal property; receive, from a user, a selection of at least one category of the plurality of categories of personal property; receive, from the user, an indication of value of personal property to be insured in the at least one category of the plurality of categories of personal property;
consult a database of policyholders;
determine, based on said database, that said user has a homeowner'"'"'s insurance policy with an organization that is being requested to issue personal property insurance on said personal property;retrieve location information associated with said user from data associated with said homeowner'"'"'s insurance policy; provide, to said user, said price to insure said personal property based on said indication of value and on said location information; and communicate, to said user, an explanation of a difference between insuring said personal property though said homeowner'"'"'s insurance policy and insuring said personal property though a personal property insurance policy. - View Dependent Claims (14, 15, 16, 17, 18)
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Specification