US Patent 11151657 Insurance policy modification based on secondary informatics

Systems and methods include: receiving informatics data from one or more sensors installed at a first set of one or more properties; aggregating and analyze the informatics data to generate one or more favorability scores based upon the informatics data; based upon the one or more favorability scores, determining a set of one or more insurance policy offers for a target property separate from the first set of one or more properties; and providing the set of one or more insurance policy offers for the target property to an insurance policyholder of the target property.