US 2025/0095077 A1 · ELECTRONIC DEVICE DATA CAPTURE FOR PROPERTY INSURANCE QUOTES

Abstract

Systems and methods for capturing digital image data associated with a property for an insurance quote are described. According to certain aspects, a mobile device may enable a user to capture digital image data and/or a video stream and other information of house features and characteristics that may be used to determine insurability and estimated replacement cost of the property. The mobile device may enable the user to capture the information at the property location, which may eliminate the need for a manual assessment or characterization of home features by a homeowner. A back-end server may receive the data, analyze the data to generate an insurance quote (and/or insurance application) for the property, and transmit the insurance quote (and/or application) to the mobile device for presentation to the user. The mobile device may enable the user to select terms, deductibles, limits, and/or coverages, and ultimately approve a homeowner's insurance policy.

Claims20

Dependent claims

A computer-implemented method in an electronic device of identifying components within a property, the method comprising:

capturing digital image data by an image sensor of the electronic device, the digital image data depicting a portion of the property;
displaying, as a live preview feature via a user interface of the electronic device, the digital image data captured by the image sensor;
analyzing, by a processor using an object detection technique, the digital image data to automatically identify a first set of components present in the portion of the property;
and
displaying, in the user interface and using an augmented reality overlay on a live video image according to the digital image data captured by the image sensor, (i) a first set of indications respectively associated with the first set of components, and (ii) a second set of indications respectively associated with a second set of components not yet identified, wherein the augmented reality overlay is generated using sensor data from at least one additional sensor of the electronic device.

2 more elements

An electronic device for identifying components within a property, comprising:

an image sensor;
at least one additional sensor;
a memory storing a set of computer-executable instructions;
a user interface configured to display content and receive user selections;
and
a processor interfacing with the image sensor, the at least one additional sensor, the memory, and the user interface, and configured to execute the set of computer-executable instructions to cause the processor to:
cause the image sensor to capture digital image data depicting a portion of the property,
cause the user interface to display, as a live preview feature, the digital image data captured by the image sensor,
analyze, using an object detection technique, the digital image data to automatically identify a first set of components present in the portion of the property, and
cause the user interface to display, using an augmented reality overlay on a live video image according to the digital image data captured by the image sensor, (i) a first set of indications respectively associated with the set of components, and (ii) a second set of indications respectively associated with a second set of components not yet identified, wherein the augmented reality overlay is generated using sensor data from the at least one additional sensor.

7 more elements

Dependencies are inferred from the claim text.

Electronic device data capture for property insurance quotes

Life of this patent

Electronic device data capture for property insurance quotes

Life of this patent

Abstract

Claims20