Insurance company technology is already monitoring drivers with devices like Progressive's "Snapshot," which logs your mileage, speed, braking and other data. Now an onslaught of James Bond-like gadgetry will give insurers a similar look into our homes. Most of this equipment -- forward-looking infrared (FLIR), moisture meters, vibration detectors, acoustical hearing devices and air-born ultrasound -- appeals to homeowners who want to protect their property from electrical fires, leaks, mold and other hazards. There's currently little downside, and a lot of upside, to the technology that property-casualty insurers are now offering, mostly to their high net worth policyholders. But new insurance patents, such as "spectral images," could give privacy experts and regulators cause for concern.