USPTO Patent for LIDAR-based Homeowners Insurance Quote Generation

ChangeBridge: Patent Grants - Business Methods (G06Q)

Published March 24th, 2026

Detected March 25th, 2026

Summary

The USPTO has granted a patent to State Farm Mutual Automobile Insurance Company for a system and method to generate homeowners insurance quotes using LIDAR data. The technology analyzes LIDAR scans of a home to identify features and characteristics that inform the insurance quote.

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What changed

The United States Patent and Trademark Office (USPTO) has granted patent US12586135B2 to State Farm Mutual Automobile Insurance Company for a novel method of generating homeowners insurance quotes. The patented system utilizes Light Detection and Ranging (LIDAR) data, collected from LIDAR cameras, to analyze a home's features and characteristics. This analysis directly informs the generation of an electronic insurance quote, representing a technological advancement in property insurance underwriting.

While this is a patent grant and not a regulatory rule imposing new obligations, it signifies a technological development that insurers may adopt. Compliance officers in the insurance sector should be aware of this patent as it may influence future underwriting practices and the adoption of LIDAR technology in property assessments. The patent itself does not impose immediate compliance requirements, but its implementation by insurers could lead to new data collection and analysis standards in the future.

Source document (simplified)

← USPTO Patent Grants

Systems and methods for light detection and ranging (LIDAR) based generation of a homeowners insurance quote

Grant US12586135B2 Kind: B2 Mar 24, 2026

Assignee

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventors

Nicholas Carmelo Marotta, J D Johnson Willingham, Stacee Madsen, Jared Wheet, Laura A. Uphoff, Paul Bates, Austin Rowley, Michael Scott Harrison

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.