A computer system and method for processing risk or loss related data to determine insurance products/warranties for objects located in an insured property. Informatic data is received from one or more informatic sensor devices relating to one or more objects located in an insured property. Analysis is performed on the informatic data to determine a condition score for at least one of the one or more objects located in the insured property. Determination is made if one or more insurance products are to be recommended for the at least object located in the insured property based upon the determined condition score.