Systems and methods are disclosed herein for pricing an insurance premium based on analysis of various telematic data. The system includes a user with a wearable human telematic sensor providing telematic data about the wearer. Also, the system and method includes at least one building/environment telematic sensor configured to provide telematic data about the building and surrounding environment. The various telematic data is communicated and processed to provide an insurance quote to the user based upon analysis of the telematic data.
