Systems and methods for environmental analysis based upon vehicle sensor data

1. A computer system for analyzing the environment of a vehicle, the computer system including at least one processor in communication with at least one memory device, the at least one processor is programmed to:

receive a plurality of data from a plurality of sensors associated with a plurality of vehicles, wherein the plurality of data includes at least one environmental condition at a location, wherein each sensor of the plurality of sensors receives the plurality of data while the corresponding vehicle travels past the location at a plurality of separate points in time;

analyze the plurality of data to determine the at least one environmental condition at the location;

determine a condition of a building at the location based upon the at least one environmental condition;

determine an insurance product for the building based upon the determined condition associated with the building; and

generate an insurance quote for the insurance product.

2. The computer system of claim 1 , wherein the processor is further programmed to transmit the insurance quote to an insurance provider.

3. The computer system of claim 1 , wherein the processor is further programmed to transmit the insurance quote to a user associated with the location.

4. The computer system of claim 1 , wherein the processor is further programmed to determine the location associated with the at least one environmental condition based upon the plurality of data.

5. The computer system of claim 4 , wherein the at least one processor is further programmed to determine an address based upon the determined location.

6. The computer system of claim 1 , wherein the building is a house and the insurance product is home owner's insurance.

7. The computer system of claim 1 , wherein the at least one processor is further programmed to:

determine at least one actionable item based upon the ate least one environmental conditions; and

adjust the insurance quote based upon the at least one actionable item.

8. The computer system of claim 1 , wherein the environmental condition includes at least one of a condition of a building, a condition of vegetation, a condition of a public thoroughfare, and a weather condition.

9. The computer system of claim 1 , wherein the processor is further configured to:

store a plurality of historical sensor data; and

compare to the historical data to determine the at least one environmental condition.

10. A computer-based method for analyzing the environment of a vehicle, the method implemented on an environment monitoring (“EM”) server including at least one processor in communication with at least one memory device, the method comprising:

receiving, at the EM server, a plurality of data from a plurality of sensors associated with a plurality of vehicles, wherein the plurality of data includes at least one environmental condition at a location, wherein each sensor of the plurality of sensors receives the plurality of data while the corresponding vehicle travels past the location at a plurality of separate points in time;

analyzing, by the EM server, the plurality of data to determine the at least one environmental condition at the location;

determining, by the EM server, a condition of a building at the location based upon the at least one environmental condition;

determining, by the EM server, an insurance product for the building based upon the determined condition associated with the building; and

generating an insurance quote for the insurance product.

11. The method of claim 10 further comprising transmitting the insurance quote to an insurance provider.

12. The method of claim 10 further comprising transmitting the insurance quote to a user associated with the location.

13. The method of claim 10 further comprising determining the location associated with the at least one environmental condition based upon the plurality of data.

14. The method of claim 13 further comprising determining an address based upon the determined location.

15. The method of claim 10 , wherein the building is a house and the insurance product is home owner's insurance.

16. The method of claim 10 further comprising:

determining at least one actionable item based upon the ate least one environmental conditions; and

adjusting the insurance quote based upon the at least one actionable item.

17. The method of claim 10 , wherein the environmental condition includes at least one of a condition of a building, a condition of vegetation, a condition of a public thoroughfare, and a weather condition.

18. The method of claim 10 further comprising:

storing a plurality of historical sensor data; and

comparing to the historical data to determine the at least one environmental condition.

19. At least one non-transitory computer-readable storage media having computer-executable instructions embodied thereon, wherein when executed by at least one processor, the computer-executable instructions cause the processor to:

receive a plurality of data from a plurality of sensors associated with a plurality of vehicles, wherein the plurality of data includes at least one environmental condition at a location, wherein each sensor of the plurality of sensors receives the plurality of data while the corresponding vehicle travels past the location at a plurality of separate points in time;

analyze the plurality of data to determine the at least one environmental condition at the location;

determine a condition of a building at the location based upon the at least one environmental condition;

determine an insurance product for the building based upon the determined condition associated with the building; and

generate an insurance quote for the insurance product.

20. The computer-readable storage media of claim 19 , wherein the computer-executable instructions further cause the processor to transmit the insurance quote to an insurance provider.