@jcamenisch: Welcome to the thread.
Your “buddy system” idea is pretty good. It really is an extension of traditional Neighborhood Watch (but, ummm, no “stand your ground”, please…).
Now, full disclosure, I have very strong feelings generally AGAINST the so called “sharing economy” (AirBnB, Lyft, TaskRabbit, Neighbor Goods, etc.)…
But, your idea could be definitely promoted under that umbrella. I can think of dozens of drawbacks; but that hasn’t stopped the companies I mentioned from getting $ millions in funding as they profit off the “crowds” they enlist.
I wonder what the minimum requirements are for home insurance companies to offer a premium discount?