Home Humanoid Protection
Available through: your robot maker, at checkout or in your subscription
Coverage
A humanoid in a home meets stairs, pets, children and guests, none of which a warranty or a homeowner's policy was written to price. The maker offers the cover and the buyer is protected from the day the robot arrives.
| Coverage | What it covers | Basis |
|---|---|---|
| Breakdown | Mechanical, electrical and software failure of the robot after the maker's warranty. | First party |
| Accidental damage | Falls, drops, collisions and liquid damage to the robot itself. | First party |
| Liability in the home | Injury to visitors and damage to other people's property caused by the robot. | Third party |
| Theft | Loss of the robot to theft. Optional, chosen at purchase. | First party |
Indicative cover for a line in development, not a schedule of insurance and not an offer to quote. Agreement names, triggers, sublimits and exclusions are subject to the filed wording, and the wording governs in every respect.
Underwriting
Rated
Per unit per month, built into the purchase price or the subscription.
What we read
Read-only- Per-unit telemetry through the maker's integration: falls, emergency stops, contact events, teleoperation interventions and fault codes
What we ask for
6- 01Model, units sold and markets
- 02Unit price and repair cost
- 03The maker's safety case, including fall behavior and contact force limits
- 04Share of tasks under teleoperation
- 05Warranty terms
- 06How the offer appears at checkout or in the subscription
What moves price
5- 01Unit value and repair cost
- 02Fall and contact rates
- 03Teleoperation share
- 04Theft exposure by market
- 05The maker's release cadence
Standards we reference
ISO 13482, safety requirements for personal care robotsISO 25785-1, draft safety requirements for dynamically stable mobile robots including legged robotsUL 3300
Review
No household is ever inspected. Underwriting runs on the maker's data.