Generating risk profile using data of home monitoring and security system

A system comprising:

• a touchscreen at a premises, wherein the touchscreen includes a processor coupled to a security system at the premises;
• network devices located at the premises and coupled to the touchscreen, wherein the touchscreen is configured as a premises gateway of the network devices and the security system;
• a plurality of user interfaces presented via the touchscreen, wherein the plurality of user interfaces include a security interface and a network interface, wherein the security interface provides control of functions of the security system and access to data collected by the security system, wherein the network interface provides access to network devices;
• a security server coupled to the touchscreen, wherein the security server is located at a remote location that is remote to the premises, wherein the security server comprises a client interface through which remote client devices exchange data with the gateway and the security system, wherein at least one of the security server and touchscreen collect behavioral data using the security system and the network devices, and generate a risk score using the behavioral data, wherein the risk score characterizes usage factors of the premises.