Patent ID: 11966939
Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Field: Audio-visual technology (Electrical engineering)
Classification: CPC G  H | IPC G

Claim 0:
1. A system comprising:
one or more sensors associated with a refrigerator of an insured property; and
a processor configured to:
receive data from the one or more sensors;
determine one or more operating parameters associated with the refrigerator based on the data, wherein the one or more operating parameters comprise a first age of the refrigerator, one or more second ages of one or more parts associated with the refrigerator, or a length of service of the refrigerator;
determine whether a performance degradation of at least one of the one or more operating parameters associated with the refrigerator is within a threshold range based on the first age of the refrigerator, the one or more second ages of the one or more parts associated with the refrigerator, or the length of service of the refrigerator;
determine a repair or a replacement need of the refrigerator in response to the performance degradation being outside the threshold range;
receive an insurance policy associated with the insured property;
determine one or more food spoilage coverage insurance products associated with the repair or the replacement need based on the insurance policy being indicative of a lack of coverage for the repair or the replacement need; and
transmit an indication of at least one of the one or more food spoilage coverage insurance products to an electronic device associated with a policy holder that corresponds to the insurance policy.