Patent ID: 11954737
Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Field: Control (Instruments)
Classification: CPC G | IPC G

Claim 18:
19. One or more tangible, non-transitory, machine-readable media comprising instructions that, when executed, are configured to cause one or more processors to perform operations comprising:
receiving a selection of one or more monitor variables related to a home to monitor;
receiving a first set of data from one or more sensors configured to monitor the one or more monitor variables associated with a first period of time, wherein the one or more sensors are configured to monitor the one or more monitor variables, and wherein the first set of data is limited based on the selection of the one or more monitor variables;
determining a fixed premium rate for at least two years based on the first set of data;
disabling receiving the first set of data from the one or more sensors in response to the determining the fixed premium rate;
determining whether one or more alarms in the home are activated according to one or more policy expectations associated with the fixed premium rate;
adjusting the fixed premium rate as an adjusted fixed premium rate in response to determining that the one or more alarms in the home are not activated according to the one or more policy expectations;
receiving a second set of data from the one or more sensors associated with a second period of time, wherein the second set of data is limited based on the selection of the one or more monitor variables;
determining an additional fixed premium rate for at least two years based on the second set of data; and
displaying a visualization comprising the additional fixed premium rate on a display.