Allstate Insurance Company

Rothana Srey

Nicholas A Suizzo

Sean P Willett

Regina Madigan

Robert H Johnson

Carolyn Parker

Nan Zhang

Matthew James Manzella

Bryan Keith Corder

Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices, such as appliances, home systems, etc. are provided. The data may be used to determine whether the home device is operating within an expected range or, if it is outside of an expected range or threshold, whether a home event has occurred. Upon occurrence of the home event, an insurance claim to cover any damage caused by the home event may be initiated and/or processed. In some examples, repair of any damage may also be coordinated by the system. In some arrangements, the initiation and/or processing of the claim, and/or coordination of the repair may be performed without any additional input from the user associated with the policy, home device, etc. or with limited additional input from the user.

Home event detection and processing

Systems, methods, apparatuses, and computer-readable media for receiving data from one or more sensors associated with one or more home devices of a user, such as appliances, home systems, etc., receiving data from one or more sensors associated with a vehicle of the user, and/or receiving data associated with a lifestyle of the user are presented. In some examples, the data may aggregated and analyzed to assess risk associated with the user in order to determine or adjust an insurance rate, premium, and/or incentive.

Device sensing

Systems and methods are provided for automatically changing or updating insurance coverage using a computer device. An insurance analyzer may receive data associated with an insurance user. The insurance analyzer may determine types of insurance coverage available and coverage amounts associated with the received user data. Based on the received data the insurance analyzer may automatically activate insurance coverage based on determined types of insurance available and coverage amounts. The insurance analyzer may also deactivate insurance coverage or change insurance coverage amounts based on determined user activity.

Instant insurance

A method of encouraging safe driving of a vehicle using a vehicle ignition control is provided. Ignition of the vehicle is prevented until an indication that vehicle insurance for operating the vehicle has been purchased. The insurance rate to charge may be based on driving behaviors detected while operating the vehicle.

Vehicle ignition control

Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices, such as appliances, home systems, etc. are presented. In some examples, the data may be used to determine whether the home device is operating within an expected range. The data may be used to identify abnormal operating conditions in a first home. Based on the identified abnormal operating conditions a root cause of the abnormal operating conditions may be determined. A message may be transmitted to at least one additional home. The message may include the root cause of the abnormal operating conditions occurring in the first home. The message may be used to alert other homes to current conditions so that they can take preventive action. The data may also be used to determine an insurance rate or premium for participating homes.

Connected home and alert notifications

Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices of a user, such as appliances, home systems, etc. and/or one or more sensors associated with a vehicle of the user, and/or receiving data associated with a lifestyle of the user are presented. In some examples, the data may aggregated and analyzed to assess risk associated with the user in order to determine or adjust an insurance rate or premium.

A method of encouraging safe driving of a vehicle using a remote starter device installed at a vehicle is provided. The remote starter device determines whether it is in signal communication with a remote starter application operating at a mobile computing device separate from the remote starter device. When the remote starter device is in signal communication with the remote starter application, the remote starter device permits ignition of the vehicle. When the remote starter device is not in signal communication with the remote starter application, the remote starter device prevents ignition of the vehicle. The remote starter application may present to a driver of the vehicle an insurance rate for taking a trip in the vehicle.

Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices, such as appliances, home systems, etc. are presented. In some examples, the data may be used to determine whether the home device is operating within an expected range. The data may also be used to determine an insurance rate or premium for a user associated with the home device(s). In some arrangements, the data may be used to determine an age of a home device, as well as a likelihood of failure of that device. This information may be used to determine or adjust insurance premiums or rates and/or provide incentives to users to repair or replace the home device(s).

Home device sensing

Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices, such as appliances, home systems, etc. are presented. In some examples, the data may be used to determine whether the home device is operating within an expected range. The system may determine a home profile and/or neighborhood rating factor which may be used to adjust insurance premiums. The home profile may be generated based on the normal operating conditions of the home based on the analysis of the sensor data. An insurance premium rate may be determined based on the generated home profile and neighborhood rating factor.

Connected home and home profiles

Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors or devices associated with one or more users are presented. In some examples, data may be filtered and analyzed to determine a risk profile for a user. In addition, the system may also determine a neighborhood risk profile for a number of users located in the same geographical location. The risk profile and the neighborhood profile may be used to determine or adjust a user's insurance premiums.

Data hub

A method of encouraging safe driving of a vehicle using a remote starter device installed at a vehicle is provided. The remote starter device may determine whether it is in signal communication with a remote starter application operating at a mobile computing device separate from the remote starter device. When the remote starter device is in signal communication with the remote starter application, the remote starter device may permit ignition of the vehicle. When the remote starter device is not in signal communication with the remote starter application, the remote starter device may prevent ignition of the vehicle. The driver of the vehicle may be identified and a vehicle telematics device installed at the vehicle may provide vehicle telematics data to an insurance underwriting system. A personalized insurance rate for the driver may be determined based, at least in part, on the vehicle telematics data.

Growing community of inventors

DeKalb, IL, United States of America

Rothana Srey