# US 2023/0274367 A1 · Systems and methods for light detection and ranging (lidar) based generation of a homeowners insurance quote > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2023/0274367 A1 - Document ID: US20230274367A1 - Status: Published application - Kind: A1 - Application number: 18/142,641 - Filed: 2023-05-03 - Published: 2023-08-31 - Earliest claimed: 2020-02-28 - Assignees: State Farm Mutual Automobile Insurance Company - Applicants: State Farm Mutual Automobile Insurance Company - Inventors: Nicholas Carmelo Marotta; JD Johnson Willingham; Stacee Madsen; Jared Wheet; Laura A. Uphoff; Paul Bates; Austin Rowley; Michael Scott Harrison - Web page: https://patentgrep.com/patent/US20230274367A1 ## CPC - G06Q 40/0842: {using sensors} - G01S 7/4802: {using analysis of echo signal for target characterisation; Target signature; Target cross-section} - G01S 17/89: for mapping or imaging - G01S 17/894: Three-dimensional [3D] imaging with simultaneous measurement of time-of-flight at a two-dimensional [2D] array of receiver pixels, e.g. time-of-flight cameras or flash lidar - G05B 15/02: electric - G06Q 40/08: Insurance - G06Q 40/0841: {using image analysis} - G06Q 50/16: Real estate - G06V 10/147: Details of sensors, e.g. sensor lenses (fingerprint or palmprint sensors G06V40/13; vascular sensors G06V40/145; eye sensors G06V40/19) - G06V 10/70: using pattern recognition or machine learning (optical pattern recognition or electronic computations therefor G06V10/88) - G06V 10/803: {of input or preprocessed data} - G06V 10/95: {structured as a network, e.g. client-server architectures} - G06V 20/17: taken from planes or by drones - G06V 20/176: {Urban or other man-made structures} - G06V 20/20: in augmented reality scenes - G06V 20/52: Surveillance or monitoring of activities, e.g. for recognising suspicious objects (recognising microscopic objects G06V20/69) - B64C 39/024: {of the remote controlled vehicle type, i.e. RPV} - B64U 2101/30: for imaging, photography or videography - G06Q 10/087: Inventory or stock management, e.g. order filling, procurement or balancing against orders - H04L 67/12: specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G01S: RADIO DIRECTION-FINDING; RADIO NAVIGATION; DETERMINING DISTANCE OR VELOCITY BY USE OF RADIO WAVES; LOCATING OR PRESENCE-DETECTING BY USE OF THE REFLECTION OR RERADIATION OF RADIO WAVES; ANALOGOUS ARRANGEMENTS USING OTHER WAVES - G05B: CONTROL OR REGULATING SYSTEMS IN GENERAL; FUNCTIONAL ELEMENTS OF SUCH SYSTEMS; MONITORING OR TESTING ARRANGEMENTS FOR SUCH SYSTEMS OR ELEMENTS (systems for controlling or regulating non-electric variables G05D; systems for regulating electric or magnetic variables G05F; control devices or systems insofar as characterised by mechanical features only G05G) - G06V: IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING - B64C: AEROPLANES; HELICOPTERS - B64U: UNMANNED AERIAL VEHICLES [UAV]; EQUIPMENT THEREFOR - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## 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. ## Claims ### Claim 1 A computer-implemented method for generating a personal articles insurance quote, comprising, via one or more processors, transceivers, sensors, and/or servers: causing a display device to display instructions to a customer on how to install one or more light detection and ranging (LIDAR) cameras; subsequent to the customer installing the one or more LIDAR cameras according to the displayed instructions, providing an insurance discount to the customer; generating LIDAR data with the one or more LIDAR cameras; receiving the LIDAR data generated from 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. ### Claim 2 (depends on 1) 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 the customer via wireless communication and/or data transmission over one or more radio frequency links for customer review, modification, and/or approval. ### Claim 3 (depends on 1) The computer-implemented method of claim 1, wherein the one or more LIDAR cameras are positioned within a home of the customer. ### Claim 4 (depends on 1) 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 the customer via wireless communication and/or data transmission over one or more radio frequency links for customer review, modification, and/or approval. ### Claim 5 (depends on 1) 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. ### Claim 6 (depends on 1) The computer-implemented method of claim 1, wherein the electronic inventory list includes one or more vehicles, and make and model thereof. ### Claim 7 (depends on 1) The computer-implemented method of claim 1, wherein the electronic inventory list includes one or more televisions, furniture, and/or paintings. ### Claim 8 (depends on 1) 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. ### Claim 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: cause a display device to display instructions to a customer on how to install one or more light detection and ranging (LIDAR) cameras; subsequent to the customer installing the one or more LIDAR cameras according to the displayed instructions, provide an insurance discount to the customer; generate LIDAR data with the one or more LIDAR cameras; receive the LIDAR data generated from 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. ### Claim 10 (depends on 9) 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 the customer via wireless communication and/or data transmission over one or more radio frequency links for customer review, modification, and/or approval. ### Claim 11 (depends on 9) The computer system of claim 9, wherein the instructions comprise instructions to the customer on how to install the one or more LIDAR cameras in a home. ### Claim 12 (depends on 9) 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. ### Claim 13 (depends on 9) The computer system of claim 9, wherein the electronic inventory list includes one or more vehicles, and make and model thereof. ### Claim 14 (depends on 9) The computer system of claim 9, wherein the electronic inventory list includes one or more electronic devices, televisions, furniture, antiques, and/or paintings. ### Claim 15 (depends on 9) 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 the customer via wireless communication and/or data transmission over one or more radio frequency links for their review, modification, and/or approval. ### Claim 16 (depends on 9) 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. ### Claim 17 A computer system for generating an electronic personal articles insurance quote, comprising: one or more processors; and a 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: cause a display device to display instructions to a customer on how to install one or more light detection and ranging (LIDAR) cameras; subsequent to the customer installing the one or more LIDAR cameras according to the displayed instructions, provide an insurance discount to the customer; generate LIDAR data with the one or more LIDAR cameras; receive the LIDAR data generated from 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. ### Claim 18 (depends on 17) 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 the customer via wireless communication and/or data transmission over one or more radio frequency links for customer review, modification, and/or approval. ### Claim 19 (depends on 17) The computer system of claim 17, wherein the one or more LIDAR cameras are positioned within a home of the customer. ### Claim 20 (depends on 17) 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.