State Farm Mutual Automobile Insurance Company

Ellakate LeFebre

Michael Shawn Jacob

Jeffrey Wilson Stoiber

Sunish Shreenarayan Menon

Rajiv C Shah

Phillip Sangpil Moon

Erin Ann Olander

Jeffrey Kinsey

Lucas Allen

Jeffrey David Hevrin

Sripriya Sundararaman

James Dykeman

Melinda Teresa Magerkurth

Daryoush Hakimi-Boushehri

Andrew Joseph Zeglin

Jessica Lynn Shull

Wayne Walk

A computer-implemented method for identifying a property usage type based upon sensor data includes, with customer permission or affirmative consent, receiving data generated by various sensors; generating a report that includes a listing of events recorded by each sensor; analyzing data from the report to determine a property usage type score; receiving data regarding types and levels of insurance coverage associated with the property usage type score; receiving data derived from a homeowner's insurance policy; comparing the types and levels of insurance coverage associated with the property usage type score with the types and levels of insurance coverage from the homeowner's current insurance policy; and transmitting a message to the homeowner to update their insurance policy if there are differences between (i) the insurance coverage that the homeowner has, and (ii) the insurance coverage the homeowner should have based upon the property usage type score.

Identifying property usage type based upon smart sensor data

Systems and methods are provided for identifying vehicle care that may reduce risk in fields not directly associated with a vehicle itself. One or more electronic sources may provide an indication of care (e.g., service, maintenance, or part configuration) of a vehicle by a user, and the vehicle care may be determined to be associated with a lowered risk for an entity (e.g., a home or business) operated by the same user in another field not associated with operation of the vehicle itself. In response, a user-specific reward may be generated and transmitted to the user, to further incentivize vehicle care and other risk averse behavior in the other field.

Vehicle risk aversion and reward system

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Bloomington, IL, United States of America

Ellakate LeFebre