Systems and methods for light detection and ranging (LIDAR) based generation of a homeowners insurance quote

Patent metadata

Field	Value
Publication number	US-12586135-B2
Application number	US-202418638259-A
Country	US
Kind code	B2
Filing date	Apr 17, 2024
Priority date	Feb 28, 2020
Publication date	Mar 24, 2026
Grant date	Mar 24, 2026

Abstract

The following relates generally to light detection and ranging (LIDAR). In some embodiments, a homeowners insurance quote is produced based upon data received from a LIDAR camera. For instance, in some embodiments, a system: receives light detection and ranging (LIDAR) data generated from one or more LIDAR cameras; analyzes the LIDAR data to determine or identify one or more features or characteristics of a home; and generates an electronic homeowners insurance quote based upon, at least in part, the one or more features or characteristics of the home determined or identified from the LIDAR data.

First claim

What is claimed:

1 . A computer-implemented method for generating a personal articles insurance quote, comprising, via one or more processors, transceivers, sensors, and/or servers:
generating light detection and ranging (LIDAR) data with one or more LIDAR cameras; receiving the LIDAR data generated from the one or more LIDAR cameras; analyzing the LIDAR data to determine or identify one or more personal articles or insurable assets; generating an electronic inventory list of personal belongings including several personal articles identified from processor analysis of (i) the LIDAR data, and (ii) one or more additional sources of data including at least one of: mobile device data and/or images, smart home sensor data and/or images, drone sensor data and/or images, vehicle sensor data and/or images, or smart infrastructure data and/or images; and generating an electronic personal articles insurance quote based upon the one or more personal articles or insurable assets determined or identified from the LIDAR data.

2 . The computer-implemented method of claim 1 , the method further comprising, via the one or more processors, transceivers, sensors, and/or servers, transmitting the electronic personal articles insurance quote to a mobile device of a customer via wireless communication and/or data transmission over one or more radio frequency links for customer review, modification, and/or approval.

3 . The computer-implemented method of claim 1 , wherein the one or more LIDAR cameras are positioned within a home of a customer.

4 . The computer-implemented method of claim 1 , the method further comprising, via the one or more processors, transceivers, sensors, and/or servers, transmitting the electronic inventory list to a mobile device of a customer via wireless communication and/or data transmission over one or more radio frequency links for customer review, modification, and/or approval.

5 . The computer-implemented method of claim 1 , the one or more additional sources of data including all of: the mobile device data and/or images; the smart home sensor data and/or images; the drone sensor data and/or images; the vehicle sensor data and/or images; and the smart infrastructure data and/or images.

6 . The computer-implemented method of claim 1 , wherein the electronic inventory list includes one or more vehicles, and make and model thereof.

7 . The computer-implemented method of claim 1 , wherein the electronic inventory list includes one or more televisions, furniture, and/or paintings.

8 . The computer-implemented method of claim 1 , wherein the LIDAR data is received via wireless communication or data transmission over one or more radio frequency links.

9 . A computer system configured to generate an electronic personal articles insurance quote, the system comprising one or more processors, transceivers, sensors, and/or servers configured to:
generate light detection and ranging (LIDAR) data with one or more LIDAR cameras; receive the LIDAR data generated from the one or more LIDAR cameras; analyze the LIDAR data to determine or identify one or more personal articles or insurable assets; generate an electronic inventory list of personal belongings including several personal articles identified from processor analysis of (i) the LIDAR data, and (ii) one or more additional sources of data including at least one of: mobile device data and/or images, smart home sensor data and/or images, drone sensor data and/or images, vehicle sensor data and/or images, or smart infrastructure data and/or images; and generate an electronic personal articles insurance quote based upon the one or more personal articles or insurable assets determined or identified from the LIDAR data.

10 . The computer system of claim 9 , the system further configured to, via the one or more processors, transceivers, sensors, and/or servers, transmit the electronic personal articles insurance quote to a mobile device of a customer via wireless communication and/or data transmission over one or more radio frequency links for customer review, modification, and/or approval.

11 . The computer system of claim 9 , wherein the one or more LIDAR cameras are positioned within a home of a customer.

12 . The computer system of claim 9 , the one or more additional sources of data including all of: the mobile device data and/or images; the smart home sensor data and/or images; the drone sensor data and/or images; the vehicle sensor data and/or images; and the smart infrastructure data and/or images.

13 . The computer system of claim 9 , wherein the electronic inventory list includes one or more vehicles, and make and model thereof.

14 . The computer system of claim 9 , wherein the electronic inventory list includes one or more electronic devices, televisions, furniture, antiques, and/or paintings.

15 . The computer system of claim 9 , the system further configured to, via the one or more processors, transceivers, sensors, and/or servers, transmit the electronic inventory list to a mobile device of a customer via wireless communication and/or data transmission over one or more radio frequency links for their review, modification, and/or approval.

16 . The computer system of claim 9 , the system further configured to, via the one or more processors, transceivers, sensors, and/or servers, receive the LIDAR data via wireless communication or data transmission over one or more radio frequency links.

17 . A computer system for generating an electronic personal articles insurance quote, comprising:
one or more processors; and a non-transitory program memory coupled to the one or more processors and storing executable instructions that when executed by the one or more processors cause the computer system to: generate light detection and ranging (LIDAR) data with one or more LIDAR cameras; receive the LIDAR data generated from the one or more LIDAR cameras; analyze the LIDAR data to determine or identify one or more personal articles or insurable assets; generate an electronic inventory list of personal belongings including several personal articles identified from processor analysis of (i) the LIDAR data, and (ii) one or more additional sources of data including at least one of: mobile device data and/or images, smart home sensor data and/or images, drone sensor data and/or images, vehicle sensor data and/or images, or smart infrastructure data and/or images; and generate an electronic personal articles insurance quote based upon the one or more personal articles or insurable assets determined or identified from the LIDAR data.

18 . The computer system of claim 17 , wherein the executable instructions further cause the computer system to transmit the electronic personal articles insurance quote to a mobile device of a customer via wireless communication and/or data transmission over one or more radio frequency links for customer review, modification, and/or approval.

19 . The computer system of claim 17 , wherein the one or more LIDAR cameras are positioned within a home of a customer.

20 . The computer system of claim 17 , the one or more additional sources of data including all of: the mobile device data and/or images; the smart home sensor data and/or images; the drone sensor data and/or images; the vehicle sensor data and/or images; and/or the smart infrastructure data and/or images.

Assignees

• State Farm Mutual Automobile Insurance Co

Inventors

• Marotta Nicholas Carmelo
• Willingham J D Johnson
• Madsen Stacee
• Wheet Jared
• Uphoff Laura A
• Bates Paul
• Rowley Austin
• Harrison Michael Scott

Classifications

• G06Q40/08

  Insurance · CPC title

• G06Q40/0841

  using image analysis · CPC title

• B64C39/024

  of the remote controlled vehicle type, i.e. RPV · CPC title

• B64U2101/30

  for imaging, photography or videography · CPC title

• G06V20/20

  in augmented reality scenes · CPC title