非营利组织Insurance Information Institute的佛罗里达州负责人Lynne McChristian表示："保险业不是这么容易进的，它是美国监管最规范的行业之一。"
Insurance Information Institute的一份报告显示，2016年，30%以上的屋主认为保险费负担过重，并且很多州的房屋保险费每月平均超过1000美元。
Insurance Information Institute的数据表明，从2012年至2016年，索赔金额最大的事故主要与火灾和雷电、人身财产伤害、水灾和冰灾、暴风和冰雹等有关。亚马逊的智能家居设备能够较好地监测到盗窃和诈骗行为，因此相应的财产索赔金额比较低。另外，报告中还表示，客户索赔次数最多的项目是气象灾害事故，主要是暴风和冰雹，水灾和冰灾，以及其他财产损失。
伦敦311 Institute的创始人及首席执行官Matthew Griffin说："这些数据有助于我们从不同的视角研究客户的行为特征，进而深入分析客户所在区域其他消费者的行为模式。"
Amazon may be expanding its insurance game: After working on a project to disrupt health insurance, the tech giant is considering offering home insurance as a complement to its growing line of smart home devices powered by Alexa, according to tech news website The Information.
Smart homes are becoming more common in general. At the end of 2016, more than half of all homes in the United States were smart, a total of 21.8 million households according to a report by Berg Insights. Amazon is a front-runner in the smart home space.
But when it comes to home insurance, Amazon may have a way to go before being able to truly disrupt and change the industry for the better.
A complicated industry
"Insurance is not something you put in a box and ship," said Lynne McChristian, director of disaster response and Florida representative for the Insurance Information Institute. "It's one of the most regulated industries in the U.S."
If Amazon were to get into the insurance business, they'd have to work with regulators in every state. Different states have different rules when it comes to home insurance, which is why most insurance companies start in one state and master that market before expanding.
Another barrier to entry in insurance is financial backing.
"Insurance is one of the businesses where you have to have the money up front to pay the anticipated claims,'' McChristian said. "You just don't start that type of business without looking at where the money is going to come from."
This would constitute a large shift in business model for the tech giant, industry observers said.
Amazon officials did not yet respond to an e-mail request for comment.
A cut to costs?
One potential selling point for Amazon home insurance would be decreased cost. The company already markets its smart home devices as time and money-savers; to really disrupt the insurance industry, it could undercut other insurance companies on price.
A report from the Insurance Information Institute showed that in 2016, more than 30 percent of homeowners considered homeowner's insurance a financial burden. For homeowners in many states, average monthly premiums are well over $1,000.
But not everyone thinks that price reduction would be a large part of an Amazon home insurance play.
"I'd be skeptical that there are many benefits for homeowners that they'd not find elsewhere," Michelle Megna, managing editor of Insurance.com, wrote in an e-mail. "It seems to me that the home security discount you'd get from having an Amazon home monitoring device would not be any different from what you'd get from any other home insurance company for having a security system in place."
Coming up short on costliest claims
While Amazon may be a leader in smart home devices, the things that the company's products accomplish are not suited to preventing — or necessarily detecting — the things that cause the most costly insurance claims.
Data from the Insurance Information Institute showed that from 2012 to 2016, the most costly claims were related to fire and lightning, bodily injury and other property damage, water damage and freezing, and wind and hail.
Other property damage, theft and fraud — which Amazon's smart home products are well equipped to detect and monitor — were much less costly to homeowners.
In addition, the report showed that the most frequently submitted claims for homeowners were weather related; wind and hail, water damage and freezing and all other property damage were the top three most frequent claims.
An abundance of data
What Amazon's connected home devices do provide —and is of value to insurers — is a wealth of consumer data.
"They offer insurers new insights into the users in the house and their behaviors," said Matthew Griffin, founder and CEO of the 311 Institute in London. "Insurers will be able to aggregate that data together to get better insights into the behaviors and 'patterns' of individual neighborhoods."
In the future, it may be possible that connected home devices and the data they provide allow insurers to move from a reactive model to a proactive one, meaning that they could detect problems before they arise and fix them. If insurers could avoid risk, that would constitute a paradigm shift in their capability and business model.
What to watch for
What Amazon potentially has going for it in the home insurance space is name recognition, lots of consumer data and the ability to analyze it effectively. If it did have a home insurance offering, it would be very convenient for the 49 percent of American consumers that already have an Amazon Prime premium membership.
But with so few details, it's hard to judge whether there would be a benefit to Amazon or to consumers. Experts say it seems unlikely that Amazon would foray into home insurance without a partner that knows the space better.
"We'll have to watch and see," said Megna at Insurance.com. "It could be that this fizzles out, mirroring Google's experiment with selling car insurance."
While home insurance companies aren't yet worried about potential Amazon competition, the company's announcement does show that the insurance industry is changing.
"Disruption is happening right now," said McChristian at the Insurance Information Institute. "There are unknowns, and that makes it exciting to be a part of something that has some element of reinvention."