Patent ID: 11861724
Assignee: ALLSTATE INSURANCE COMPANY
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A home insurance simulation system, comprising:
a first computing device, wherein the first computing device comprises:
an input device;
a display device configured to display a simulated home comprising a simulated window and a simulated door;
an input/output module communicatively coupled with the input device and the display device;
at least one processor communicatively coupled to the input/output module; and
a first memory storing first computer executable instructions that, when executed by the at least one processor, cause the at least one processor to:
receive, from the input device, via the input/output module, and based on a user interaction with at least one of the simulated door and the simulated window displayed on the display device, characteristic information identifying characteristics of one or more structures, in a home of a user, corresponding to the at least one of the simulated door and the simulated window;
perform, based on the received characteristic information, a simulation of living conditions of the home to generate simulation information, wherein the simulation comprises simulating operation of the at least one of the simulated door and the simulated window over a predetermined period of time and in accordance with the received characteristic information;
estimate, based on the simulation information generated by the simulation of the living conditions of the home, a risk of incurring damages in a simulated home insurance event; and
generate, based on the risk of incurring damages in the simulated home insurance event, a liability estimate corresponding to a coverage under an insurance policy option.