Described are techniques for determining a quotation score that would be applicable across lines of insurance and/or carriers, and which involves the collection in real time of sensor information from plural groups of sensors deployed in a specific premises and associated with intrusion detection, access control, burglar, fire alarm systems and surveillance systems and/or other systems that monitor for physical/chemical/biological conditions. The techniques execute unsupervised learning models to continually analyze the collected sensor information to produce sequences of state transitions that are assign scores and from which a quotation score is produced.