Utilizing credit and informatic data for insurance underwriting purposes

A tangible, non-transitory, machine-readable medium, comprising machine-readable instructions, that when executed by one or more processors, cause a machine to:

• receive sensor data generated from a plurality of motion sensors configured to generate the sensor data, wherein the sensor data is representative of characteristics of a property, wherein the sensor data comprises motion sensor data comprising an indication of detected movement of people within the range of the plurality of motion sensors;
• identify a consistent steady state of activity patterns with respect to the property, by:
• aggregating the sensor data from the plurality of motion sensors;
• and
• estimating inhabitant activities comprising at least one of:
• expected bedtime, expected rise time, expected naptime, and a sleep latency, wherein the inhabitant activities define the consistent steady state of activity patterns with respect to the property;
• determine an indication that indicates whether the property has been used as a habitat using the sensor data, by:
• identifying activity patterns of the property at particular times, based upon the motion sensor data;
• when the activity patterns include spikes in the movement of people, frenetic changes in the movement of people, or a combination thereof, which cause the activity patterns to fall out of the consistent steady state of activity patterns with respect to the property, determining that the property is not being used as a habitat;
• and
• otherwise, when the activity patterns do not include spikes in the movement of people, frenetic changes in the movement of people, or both and instead are within the consistent steady state of activity patterns with respect to the property, determining that the property is being used as a habitat;
• determine one or more suggested insurance coverage modifications for the property based upon the indication;
• and
• provide an electronic notification indicating the one or more suggested insurance coverage modifications.

A computer-implemented method, comprising:

• receiving sensor data generated from a plurality of motion sensors configured to generate the sensor data, wherein the sensor data is representative of characteristics of a property and comprises an indication of detected movement of people within the range of the plurality of motion sensors;
• identifying a consistent steady state of activity patterns with respect to the property, by:
• aggregating the sensor data from the plurality of motion sensors;
• and
• estimating inhabitant activities comprising at least one of:
• expected bedtime, expected rise time, expected naptime, and a sleep latency, wherein the inhabitant activities define the consistent steady state of activity patterns with respect to the property;
• determining an indication that indicates whether the property has been used as a habitat using the sensor data, by:
• identifying activity patterns of the property at particular times, based upon the sensor data;
• when the activity patterns include spikes in the movement of people, frenetic changes in the movement of people, or a combination thereof, which cause the activity patterns to fall out of the consistent steady state of activity patterns with respect to the property, determining that the property is not being used as a habitat;
• and
• otherwise, when the activity patterns do not include spikes in the movement of people, frenetic changes in the movement of people, or both and instead are within the consistent steady state of activity patterns with respect to the property, determining that the property is being used as a habitat;
• determining one or more suggested insurance coverage modifications for the property based upon the indication;
• and
• providing an electronic notification indicating the one or more suggested insurance coverage modifications.