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

Claim 11:
12. A method comprising:
receiving, via a processor, a selection of one or more monitor variables related to a home;
receiving, via the processor, a first set of data from one or more sensors configured to monitor the one or more monitor variables, wherein the first set of data is associated with a first period of time, and wherein the first set of data is limited based on the selection of the one or more monitor variables;
determining, via the processor, a fixed premium rate for at least two years based on the first set of data;
disabling receiving, via the processor, the first set of data from the one or more sensors in response to determining the fixed premium rate;
determining, via the processor, whether one or more alarms in the home are activated according to one or more policy expectations associated with the fixed premium rate;
adjusting, via the processor, 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, via the processor, 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, via the processor, 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.