Abstract: Methods and systems for identifying and correcting abnormal electrical activity about a home or other structure are provided. An electricity monitoring device may monitor electrical activity including transmission of electricity via an electrical distribution board to devices about the home. Electrical activity may be correlated with respective electrical devices to build an electrical profile associated with the structure. In response to a claimed damage to the structure or to electric devices therein, some electrical activity may be compared to the electrical profile to determine whether the damage occurred voluntarily or involuntarily.

Abstract: Methods and systems for identifying and correcting abnormal electrical activity about a home or other structure are provided. An electricity monitoring device may monitor electrical activity including transmission of electricity via an electrical distribution board to devices about the home. Electrical activity may be correlated with respective electrical devices to build an electrical profile associated with the structure. In response to a claimed damage to the structure or to electric devices therein, some electrical activity may be compared to the electrical profile to determine whether the damage occurred voluntarily or involuntarily.

Abstract: Methods and systems for identifying and correcting abnormal electrical activity about a structure are provided. An electricity monitoring device may monitor electrical activity including transmission of electricity via an electrical distribution board to devices about the structure. Electrical activity may be correlated with respective electrical devices to build an electrical profile indicative of the structure's electricity usage. Based on the electrical profile, abnormal electrical activity may be identified and corrective actions may be taken to mitigate or prevent structural damage.

Abstract: Methods and systems for identifying and correcting abnormal electrical activity about a structure are provided. An electricity monitoring device may monitor electrical activity including transmission of electricity via an electrical distribution board to devices about the structure. Electrical activity may be correlated with respective electrical devices to build an electrical profile indicative of the structure's electricity usage. Based on the electrical profile, abnormal electrical activity may be identified and corrective actions may be taken to mitigate or prevent structural damage.

Abstract: A home cost analysis server is configured to train an image processing program to identify features of homes, receive user input including a prospective home, and access a first database storing metadata and images associated with homes, including the prospective home, available for purchase. The server is also configured to input images of the prospective home to the machine-learned image processing program, which outputs a feature of the prospective home, access a second database storing historical ancillary costs, and perform a lookup in the second database to retrieve comparable historical ancillary costs associated homes having a comparable feature to the outputted feature. The server is further configured to analyze the metadata associated with the prospective home, the outputted feature, and the comparable historical ancillary costs to determine ancillary home costs associated with the prospective home, and display the ancillary home costs and an overall monthly cost for the prospective home.

Abstract: A home cost analysis server for executing a customized home search may include a processor programmed to define a user budget constraint, receive a list of available homes, and determine an initial monthly cost for each home. The processor may also identify one or more additional home costs based on historical insurance claim data. The processor may also display available homes that satisfy the user budget constraint.

Abstract: A home cost analysis server for executing a customized home search may include a processor programmed to define a user's budget constraint and a level of flexibility thereof, including a threshold difference from the budget constraint, retrieve a list of homes and public listing information associated with each home, and determine a monthly cost associated with each home. The processor may also isolate a first subset of homes having a monthly cost that satisfies the budget constraint, and a second subset of homes having a monthly cost within the threshold difference of the budget constraint, and display the first and second subsets along with respective first and second graphical indicators, as well as a third graphical indicator of a first adjustable expense data element, the third graphical indicator recommending reducing the first adjustable data element to move at least one first home from the second subset into the first subset.

Abstract: A home cost analysis server is configured to train an image processing program to identify features of homes, receive user input including a prospective home, and access a first database storing metadata and images associated with homes, including the prospective home, available for purchase. The server is also configured to input images of the prospective home to the machine-learned image processing program, which outputs a feature of the prospective home, access a second database storing historical ancillary costs, and perform a lookup in the second database to retrieve comparable historical ancillary costs associated homes having a comparable feature to the outputted feature. The server is further configured to analyze the metadata associated with the prospective home, the outputted feature, and the comparable historical ancillary costs to determine ancillary home costs associated with the prospective home, and display the ancillary home costs and an overall monthly cost for the prospective home.

Abstract: Methods and systems for identifying and correcting abnormal electrical activity about a structure are provided. An electricity monitoring device may monitor electrical activity including transmission of electricity via an electrical distribution board to devices about the structure. Electrical activity may be correlated with respective electrical devices to build an electrical profile indicative of the structure's electricity usage. Based on the electrical profile, abnormal electrical activity may be identified and corrective actions may be taken to mitigate or prevent structural damage.

Abstract: Methods and systems for identifying and correcting abnormal electrical activity about a structure are provided. An electricity monitoring device may monitor electrical activity including transmission of electricity via an electrical distribution board to devices about the structure. Electrical activity may be correlated with respective electrical devices to build an electrical profile indicative of the structure's electricity usage. Based on the electrical profile, abnormal electrical activity may be identified and corrective actions may be taken to mitigate or prevent structural damage.

Abstract: Methods and systems for identifying and correcting abnormal electrical activity about a structure are provided. An electricity monitoring device may monitor electrical activity including transmission of electricity via an electrical distribution board to devices about the structure. Electrical activity may be correlated with respective electrical devices to build an electrical profile indicative of the structure's electricity usage. Based on the electrical profile, abnormal electrical activity may be identified and corrective actions may be taken to mitigate or prevent structural damage.

Abstract: Methods and systems for identifying and correcting abnormal electrical activity about a structure are provided. An electricity monitoring device may monitor electrical activity including transmission of electricity via an electrical distribution board to devices about the structure. Electrical activity may be correlated with respective electrical devices to build an electrical profile indicative of the structure's electricity usage. Based on the electrical profile, abnormal electrical activity may be identified and corrective actions may be taken to mitigate or prevent structural damage.

Abstract: A home cost analysis server is configured to train an image processing program to identify features of homes, receive user input including a prospective home, and access a first database storing metadata and images associated with homes, including the prospective home, available for purchase. The server is also configured to input images of the prospective home to the machine-learned image processing program, which outputs a feature of the prospective home, access a second database storing historical ancillary costs, and perform a lookup in the second database to retrieve comparable historical ancillary costs associated homes having a comparable feature to the outputted feature. The server is further configured to analyze the metadata associated with the prospective home, the outputted feature, and the comparable historical ancillary costs to determine ancillary home costs associated with the prospective home, and display the ancillary home costs and an overall monthly cost for the prospective home.

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 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 home cost analysis server for identifying one or more hidden home costs may include a processor programmed to receive user input including at least one prospective home. The processor may access a first external database storing metadata associated with a plurality of homes available for purchase, the plurality of homes including the prospective home, and access a second external database storing historical ancillary costs associated with a plurality of homes in a geographic area surrounding the prospective home. The processor may analyze metadata associated with the prospective home and the historical ancillary costs to determine ancillary home costs associated with the prospective home, and cause to be displayed the ancillary home costs at the user computing device using at least one graphical indicator. As a result, the prospective homebuyer may have additional education and insight into the potential costs of owning a home.

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: 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 home cost analysis server for executing a customized home search may include a processor programmed to receive user input including a geographic area and a budget, and define a budget constraint. The processor may access an external database storing a list of available homes in the geographic area, and analyze metadata associated with each available home on the list to determine a monthly home cost associated with each available home. The processor may also determine a significant home maintenance cost associated with each available home based upon the metadata and the geographic area, and calculate a total cost associated with each available home. The processor may further isolate a subset of the available homes having the total cost associated therewith that satisfies the budget constraint, and cause to be displayed the subset of available homes along with a graphical indicator that associates the total cost with the budget constraint.

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.