Abstract: Systems and methods for identifying a condition associated with an individual in a home environment are provided. Sensors associated with the home environment detect data, which is captured and analyzed by a local or remote processor to identify the condition. In some instances, the sensors are configured to capture data indicative of electricity use by devices associated with the home environment, including, e.g., which devices are using electricity, what date/time electricity is used by each device, how long each device uses electricity, and/or the power source for the electricity used by each device. The processor analyzes the captured data to identify any abnormalities or anomalies, and, based upon any identified abnormalities or anomalies, the processor determines a condition (e.g., a medical condition) associated with an individual in the home environment. The processor generates and transmits a notification indicating the condition associated with the individual to a caregiver of the individual.

Abstract: Methods and apparatus for evaluating usage of individual electric or electronic devices, such as appliances, powered via an electrical system of a home, is provided. The methods and apparatus correlate the usage of electric or electronic devices about a structure, such as a home, business, or office building to claim risk profiles to identify ways to lower risk corresponding to the usage of such electric or electronic devices. The methods and apparatus identify ways to lower risk by updating one or more terms of a user policy, such as a dynamic homeowners usage-based insurance (UBI) policy, providing a recommendation for upgrading or replacing individual electric or electronic devices, and/or adjusting the electricity consumption for the individual electric or electronic devices.

Abstract: Systems and methods for identifying a condition associated with an individual in a home environment are provided. Sensors associated with the home environment detect data, which is captured and analyzed by a local or remote processor to identify the condition. In some instances, the sensors are configured to capture data indicative of electricity use by devices associated with the home environment, including, e.g., which devices are using electricity, what date/time electricity is used by each device, how long each device uses electricity, and/or the power source for the electricity used by each device. The processor analyzes the captured data to identify any abnormalities or anomalies, and, based upon any identified abnormalities or anomalies, the processor determines a condition (e.g., a medical condition) associated with an individual in the home environment. The processor generates and transmits a notification indicating the condition associated with the individual to a caregiver of the individual.

Abstract: A computer-implemented method of providing insurance discounts to risk averse home owners having standby generators. The method may include, with customer permission or affirmative consent, (1) receiving, at an insurance provider remote server, data that is indicative of whether a standby generator is associated with a home; (2) receiving, at the insurance provider remote server, data indicative of an amount of the home to which the standby generator is configured to supply power; and (3) determining data associated with the terms of the residential insurance coverage for the home based upon the data indicative of whether the standby generator is associated with the home and/or the data indicative of the amount of the home to which the standby generator is configured to supply power. The standby generator data may be generated or collected by a smart home controller, and transmitted to the insurance provider via wireless communication, for instance.

Abstract: A computer-implemented method of providing insurance coverage to risk averse home owners having standby generators. The method may include: (1) providing, by an insurance provider remote server, an ability of a vendor that provides a standby generator for a home to make available to the insurance provider data associated with a customer and/or the standby generator; (2) receiving, at the insurance provider remote server from the vendor, with customer permission or affirmative consent, the data associated with the customer and/or the standby generator; and (3) determining, by the insurance provider remote server based upon the data associated with the customer and/or the standby generator, data associated with the insurance coverage and/or data associated with terms of the insurance coverage. The data associated with the customer and/or the standby generator may be received by the insurance provider via wireless communication over one or more radio links or communication channels, for instance.

Abstract: Systems and methods for identifying a condition associated with an individual in a home environment are provided. Sensors associated with the home environment detect data, which is captured and analyzed by a local or remote processor to identify the condition. In some instances, the sensors are configured to capture data indicative of electricity use by devices associated with the home environment, including, e.g., which devices are using electricity, what date/time electricity is used by each device, how long each device uses electricity, and/or the power source for the electricity used by each device. The processor analyzes the captured data to identify any abnormalities or anomalies, and, based upon any identified abnormalities or anomalies, the processor determines a condition (e.g., a medical condition) associated with an individual in the home environment. The processor generates and transmits a notification indicating the condition associated with the individual to a caregiver of the individual.

Abstract: Methods and apparatus for evaluating usage of individual electric or electronic devices, such as appliances, powered via an electrical system of a home, is provided. The methods and apparatus correlate the usage of electric or electronic devices about a structure, such as a home, business, or office building to claim risk profiles to identify ways to lower risk corresponding to the usage of such electric or electronic devices. The methods and apparatus identify ways to lower risk by updating one or more terms of a user policy, such as a dynamic homeowners usage-based insurance (UBI) policy, providing a recommendation for upgrading or replacing individual electric or electronic devices, and/or adjusting the electricity consumption for the individual electric or electronic devices.

Abstract: A computer-implemented method of providing insurance discounts to risk averse home owners having standby generators. The method may include, with customer permission or affirmative consent, (1) receiving, at an insurance provider remote server, data that is indicative of whether a standby generator is associated with a home; (2) receiving, at the insurance provider remote server, data indicative of the current operational condition of the standby generator; and (3) determining, by the insurance provider remote server, data associated with the terms of the residential insurance coverage for the home based upon the data indicative of whether the standby generator is associated with the home and the data indicative of the current operational condition of the standby generator. The standby generator data may be generated or collected by a smart home controller, and transmitted to the insurance provider via wireless communication over one or more radio links or communication channels, for instance.

Abstract: Systems and methods for identifying a condition associated with an individual in a home environment are provided. Sensors associated with the home environment detect data, which is captured and analyzed by a local or remote processor to identify the condition. In some instances, the sensors are configured to capture data indicative of electricity use by devices associated with the home environment, including, e.g., which devices are using electricity, what date/time electricity is used by each device, how long each device uses electricity, and/or the power source for the electricity used by each device. The processor analyzes the captured data to identify any abnormalities or anomalies, and, based upon any identified abnormalities or anomalies, the processor determines a condition (e.g., a medical condition) associated with an individual in the home environment. The processor generates and transmits a notification indicating the condition associated with the individual to a caregiver of the individual.

Abstract: Systems and methods for identifying a condition associated with an individual in a home environment are provided. Sensors associated with the home environment detect data, which is captured and analyzed by a local or remote processor to identify the condition. In some instances, the sensors are configured to capture data indicative of electricity use by devices associated with the home environment, including, e.g., which devices are using electricity, what date/time electricity is used by each device, how long each device uses electricity, and/or the power source for the electricity used by each device. The processor analyzes the captured data to identify any abnormalities or anomalies, and, based upon any identified abnormalities or anomalies, the processor determines a condition (e.g., a medical condition) associated with an individual in the home environment. The processor generates and transmits a notification indicating the condition associated with the individual to a caregiver of the individual.