This is the ultimate case for AI. Intelligence is partly scored based on predictions/planning, so if AI is really intelligent it should be able to tell what remediations are worth it and then lower your insurance cost based on following its recommendations. and back it up by backing those premiums itself.

Home insurance can benefit from this too. I just got a quote on a property i looked at with a $20k/yr premium, partly because of being in CA with a slope and age of the property.

At $20k/yr, there should be some economic way of an insurance company essentially saying "instead of $20k a year in premiums, here is a $300,000 30 year loan to do preventive measures on the property, and if you do them, your policy will drop to a more normal $3k/yr" or something along those lines.