Not your father’s insurance: 6 technology trends that are revolutionizing coverage

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One day soon, your car will drive itself, your health will be monitored remotely, storm damage to your home may be assessed by aerial drones and your doctor will see you via Skype.

From your front door to your front seat, from rooftop to waiting room, technology is quickly altering how we insure against life’s most unpredictable and expensive risks.

“It’s very similar to the personal computer industry in the late ’80s and early ’90s where all of this cool stuff was being created that didn’t talk to each other,” says Jody Holtzman, senior vice president of thought leadership for AARP. “There are tons of technology and opportunities again. The challenge will be to integrate them.”

With a dizzying array of wearable fitness devices, pay-as-you-drive auto insurance incentives and “virtual doctor” telemedicine options already upon us, how can a savvy consumer separate the killer apps from the roadkill?

Here are a half-dozen insurance technology trends to start following now.