Determining appliance insurance coverage/products using informatic sensor data

An electronic sensor system comprising:

• a plurality of sensor devices located within one or more appliances and is configured to capture data related to electricity usage of the one or more appliances, wherein the one or more appliances are located within a property, and wherein each sensor device of the plurality of sensor devices comprises a transmitter having an associated IP address to periodically capture and transmit data in accordance with a data capture interval value;
• a data storage in communication with each sensor device of the plurality of sensor devices via a respective IP address, wherein the data storage is configured to aggregate the captured data related to the one or more appliances located in the property received from each sensor device of the plurality of sensor devices;
• a communication device in communication with the data storage, wherein the communication device is configured to encrypt and transmit the aggregated captured data via a communications network;
• a computer server in communication with the communication device via the communications network, the computer server programmed to:
• receive encrypted aggregated captured data from the communication device regarding the electricity usage of the one or more appliances located in the property;
• analyze the encrypted aggregated captured data regarding the electricity usage of the one or more appliances located in the property to determine an appliance maintenance status for at least one appliance of the one or more appliances, wherein the appliance maintenance status is associated with at least one operating performance of the at least one appliance;
• determine one or more repair needs for the at least one appliance based on the received encrypted aggregated captured data, wherein the one or more repair needs includes one or more immediate repair needs, one or more preventive maintenance needs, or both;
• determine at least one performance degradation for the at least one appliance based on the appliance maintenance status;
• upon determining that the at least one performance degradation is above a performance degradation threshold, determine a coverage value for repairing or replacing the at least one appliance based on a relationship between the at least one performance degradation and the performance degradation threshold;
• upon the coverage value for the at least one appliance satisfying a second threshold, generate an electronic message comprising an identification of the at least one appliance, the appliance maintenance status, an insurance plan with the coverage value, and a recommendation for one or more insurance products related to an age value or the appliance maintenance status associated with the at least one appliance;
• and
• transmit the electronic message to an electronic device of a user associated with the property.