Abstract: The present embodiments relate to identifying property intrusion events based upon sensor data received from smart devices populated about a home. A smart home controller may compare the sensor data to baseline sensor data to dynamically identify an intrusion event that may be occurring. The controller may generate a notification and determine an action to perform to facilitate damage or risk mitigation. Accordingly, an individual associated with the home may be notified of the event, and then select to perform the action, such as via their mobile device. In some implementations, the controller may automatically perform the action. As a result, in response to computer identification of an intrusion event, corrective action may be taken or prompted, or otherwise any damage caused by the intrusion event may be mitigated, reducing insurance claims or claim amounts associated with intrusion events. Insurance discounts may be provided based upon the risk mitigation functionality.

Abstract: The present embodiments relate to detecting instances of individuals being in peril within an independent or assisted living environment. According to certain aspects, with an individual's permission or affirmative consent, a hardware controller (such as a smart or interconnected home controller, or even a mobile device) may receive and analyze sensor data detected within the independent or assisted living environment to determine whether an individual may be in peril. In this circumstance, the hardware controller may generate a notification that indicates the situation and may communicate the notification to a proper individual, such as a family member or care giver, who may be in a position to mitigate or alleviate any risks posed by the situation. The foregoing functionality also may be used by an insurance provider to generate, update, or adjust insurance policies, premiums, rates, or discounts, and/or make recommendations to an insured individual.

Abstract: Methods and systems for generating escape routes are provided. With a home owner's or insured's permission, a smart home controller or insurance provider remote processor may analyze data received from a plurality of smart devices disposed on, within, or proximate to a home, as well as data received from an insurance provider. If it is determined that an emergency situation necessitating an evacuation exists, the smart home controller or insurance provider remote processor may automatically generate escape routes to guide occupants to safety. The smart home controller may then transmit the generated escape routes to inform occupants of emergency situation and how to reach safety. The smart home controller and/or insurance provider may also issue commands to smart devices to ensure the safety of the generated escape routes. Insurance policies, premiums, or discounts may be adjusted based upon the escape route determination functionality.

Abstract: Methods and systems for generating a response to detecting a fire on a property are provided. In certain aspects, a smart home controller (or other smart controller) may analyze data received from smart devices disposed on, within, or proximate to a property. If it is determined that a fire is present on the premises of the property, the smart home controller may determine a location of the fire as compared to the smart devices. The smart home controller may then generate and transmit instructions causing a portion of the smart devices to perform a set of actions to mitigate risks associated with the presence of the fire on the property. The smart home controller may also compare the location of the fire with a location of an occupant, and generate an escape route for the occupant. Insurance policies, premiums, or discounts may be adjusted based upon the fire response/mitigation functionality.

Abstract: Methods and systems that manage building code compliance are provided. A smart or interconnected home may be populated with multiple smart or other devices that are in wired or wireless communication with a central controller. The smart devices may be covered by an insurance policy, such as a homeowners, renters, or personal articles insurance policy. The controller may receive building code compliance information associated with the smart devices, and may update an inventory list to include the building code compliance information. The controller may detect that one or more devices do not comply with building code requirements. The controller may transmit a notification to a customer about possible corrective actions to remedy non-compliant conditions and to facilitate building code compliance. The smart devices may be associated with appliances, electronics, wiring, pipes, ducts, or other equipment or personal belongings.

Abstract: Systems and methods for processing insurance claims associated with a long-term care insurance policy are provided. According to certain aspects, an insurance claim that lists a set of services purportedly administered by a caregiver within a property of a policyholder may be received. Operation data may be collected from a set of devices that are populated within the property, where the operation data may be indicate a set of services that were actually performed. The set of purported services may be compared to the set of actual services, and the insurance claim may be processed accordingly.

Abstract: The present disclosure generally relates to bio-sample, such as a dried blood spot (DBS) sample, a breath sample, an endothelial sample, saliva sample, etc., collection kits and identity authenticating mechanisms for the sample donors. The present disclosure further relates to systems and methods for generating biomarker data using bio-sample analysis information and authenticating information. The biomarker data may be used to determine an insurance score.

Abstract: The present embodiments relate to identifying property intrusion events based upon sensor data received from smart devices populated about a home. A smart home controller may compare the sensor data to baseline sensor data to dynamically identify an intrusion event that may be occurring. The controller may generate a notification and determine an action to perform to facilitate damage or risk mitigation. Accordingly, an individual associated with the home may be notified of the event, and then select to perform the action, such as via their mobile device. In some implementations, the controller may automatically perform the action. As a result, in response to computer identification of an intrusion event, corrective action may be taken or prompted, or otherwise any damage caused by the intrusion event may be mitigated, reducing insurance claims or claim amounts associated with intrusion events. Insurance discounts may be provided based upon the risk mitigation functionality.

Abstract: Systems and methods for managing the operation of devices within a home or other property based upon electrical usage data. With customer knowledge or consent, a home controller may retrieve and analyze electrical usage data corresponding to a device, such as by comparing it to certain threshold data. If the analysis results in a trigger condition, the controller may generate a command, and transmit the command to the device for implementation, allowing modification of device operation to address any issues indicated in the electrical usage data. The controller may also notify a home owner/occupant. As a result, faulty devices may be managed prior to their faults causing damage to the device and/or the property, and/or property owners may be timely prompted to investigate, repair, and/or replace a failing device. Insurance discounts may be provided based upon the risk mitigation/prevention functionality.

Abstract: The present embodiments relate to managing the operation of devices within a home or other property based upon received image data. According to certain aspects, a controller within the home may receive, with customer permission or consent, image data from image sensors disposed throughout the home. The controller may analyze the image data in combination with profile data for individuals associated with the home to determine that a certain individual is indicated in the image data. The controller may further determine an action to facilitate based upon the individual being detected in a certain location of the property, and may direct smart devices to perform that action. As a result, the present embodiments may facilitate providing occupant-location based (or occupant-presence or preference based) functionality, functions, or services, and/or directing operations of smart devices located about a property based upon occupant location, presence, preferences, and/or activities at the property.

Abstract: Risk of damage that is caused by the breaking of a circuit may be mitigated. A smart home controller and/or insurance provider remote processor may analyze data, with an insured's permission, received from a smart device disposed on, within, or proximate to a property associated with monitoring the flow of electricity. If it is determined that risk of damage due to the flow of electricity being cut off repeatedly exists, the smart home controller or remote processor may automatically generate a repair request to schedule a repair event that mitigates the risks. The smart home controller may transmit information about the risks to a homeowner and/or an insurance provider. The insurance provider remote processor may interpret the transmitted data and perform insurance activities, such as providing a discount or premium, and/or adjusting an insurance policy associated with the property based upon the insured property being equipped with risk mitigation functionality.

Abstract: Methods and systems for generating escape routes are provided. With a home owner's or insured's permission, a smart home controller or insurance provider remote processor may analyze data received from a plurality of smart devices disposed on, within, or proximate to a home, as well as data received from an insurance provider. If it is determined that an emergency situation necessitating an evacuation exists, the smart home controller or insurance provider remote processor may automatically generate escape routes to guide occupants to safety. The smart home controller may then transmit the generated escape routes to inform occupants of emergency situation and how to reach safety. The smart home controller and/or insurance provider may also issue commands to smart devices to ensure the safety of the generated escape routes. Insurance policies, premiums, or discounts may be adjusted based upon the escape route determination functionality.

Abstract: Methods and systems for processing insurance policies associated with properties may be provided. A home may be populated with smart devices that are connected to, or in communication with, a central (or “smart home”) controller, such as via wired or wireless communication. The smart devices are covered by an insurance policy, such as homeowners, renters, or personal articles insurance. The central controller may receive, with customer permission, service log information for the devices, and update an inventory list to include the service log information. The controller may detect that a smart device has been repaired, and then generate and transmit a notification to the customer. In some cases, the notification may prompt the customer to schedule a future repair event. The smart devices may be associated with appliances, electronics, computers, televisions, jewelry, vehicles, furniture, or other personal belongings. Insurance discounts may be provided based upon the service log/maintenance functionality.

Abstract: Methods and systems for generating a response to detecting a fire on a property are provided. In certain aspects, a smart home controller (or other smart controller) may analyze data received from smart devices disposed on, within, or proximate to a property. If it is determined that a fire is present on the premises of the property, the smart home controller may determine a location of the fire as compared to the smart devices. The smart home controller may then generate and transmit instructions causing a portion of the smart devices to perform a set of actions to mitigate risks associated with the presence of the fire on the property. The smart home controller may also compare the location of the fire with a location of an occupant, and generate an escape route for the occupant. Insurance policies, premiums, or discounts may be adjusted based upon the fire response/mitigation functionality.

Abstract: Systems and methods for managing a long-term care insurance policy associated with a property are provided. According to certain aspects, configuration data associated with a component installed within the property may be received and analyzed to determine that the component is not included in a long-term care insurance policy of the property. The component may be analyzed to determine a discount associated with the long-term care insurance policy, and the discount may then be applied to the long-term care insurance policy.

Abstract: Methods and systems for generating escape routes are provided. With a home owner's or insured's permission, a smart home controller or insurance provider remote processor may analyze data received from a plurality of smart devices disposed on, within, or proximate to a home, as well as data received from an insurance provider. If it is determined that an emergency situation necessitating an evacuation exists, the smart home controller or insurance provider remote processor may automatically generate escape routes to guide occupants to safety. The smart home controller may then transmit the generated escape routes to inform occupants of emergency situation and how to reach safety. The smart home controller and/or insurance provider may also issue commands to smart devices to ensure the safety of the generated escape routes. Insurance policies, premiums, or discounts may be adjusted based upon the escape route determination functionality.

Abstract: Systems and methods for processing insurance claims associated with a long-term care insurance policy are provided. According to certain aspects, an insurance claim that lists a set of services purportedly administered by a caregiver within a property of a policyholder may be received. Operation data may be collected from a set of devices that are populated within the property, where the operation data may be indicate a set of services that were actually performed. The set of purported services may be compared to the set of actual services, and the insurance claim may be processed accordingly.

Abstract: An insurance method and computer system provides incentives and insurance ratings to a policy holder. The policy holder may opt to participate in an incentives program in which the method and system may receive baseline personal health data that indicates a baseline health condition and a target goal to improve or maintain that baseline health condition over a specified time period. The method and system may then receive and analyze personal health data generated by a sensor that monitors a current health condition over the specified time period to determine whether the target goal has been achieved. The method and system may provide an indication of an incentive to the policy holder in response to receiving the personal health data generated by the sensor, and may provide an indication of a further incentive in response to determining that the target goal has been met.

Abstract: The present disclosure generally relates to bio-sample, such as a dried blood spot (DBS) sample, a breath sample, an endothelial sample, saliva sample, etc., collection kits and identity authenticating mechanisms for the sample donors. The present disclosure further relates to systems and methods for generating biomarker data using bio-sample analysis information and authenticating information. The biomarker data may be used to determine an insurance score.

Abstract: The present disclosure generally relates to bio-sample, such as a dried blood spot (DBS) sample, a breath sample, an endothelial sample, saliva sample, etc., collection kits and identity authenticating mechanisms for the sample donors. The present disclosure further relates to systems and methods for generating biomarker data using bio-sample analysis information and authenticating information. The biomarker data may be used to determine an insurance score.