I don't have direct experience with Insteon, but they say to go with ISY99 out of the gate for a much more reliable hardware solution. I think you have some very good programming capabilities as well. I am thinking of trying Insteon in the same home I installed the IRIS this weekend. The IRIS is a pretty basic cloud based and I use the term lightly home automation system. It doesn't allow you to do any more complex conditional coding and is limited to what the provide with their Magic Rules, for example, When Button Pushed toggle Light Module A. Also for scheduling lights to come on at a certain time there is no lighting scenes/groups and as it is deviced based and not schedule based meaning that a schedule has to be set for each controlling device.
If you go Insteon post your thoughts.