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

Claim 0:
1. A system, comprising:
a home system comprising:
one or more sensors configured to monitor one or more monitor variables related to a home; and

a processor configured to:
receive a selection of the one or more monitor variables to monitor;
receive a first set of data from the one or more sensors associated with a first period of time, wherein the first set of data is limited based on the selection of the one or more monitor variables;
determine a fixed premium rate for at least two years based on the first set of data;
disable receiving the first set of data from the one or more sensors in response to the determining the fixed premium rate;
determine whether one or more alarms in the home are activated according to one or more policy expectations associated with the fixed premium rate;
adjust 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;
receive 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;
determine an additional fixed premium rate for at least two years based on the second set of data; and
display a visualization comprising the additional fixed premium rate on a display.