Two New Apps Help Homebuyers Make Smart Decisions

You purchased a new home but didn’t realize the level of noise in the neighborhood until after you moved in. Once you’re settled in, you feel overwhelmed by how to take care of your new investment properly. Sound familiar?

Liberty Mutual Insurance launched two new tools, Total Home Score and Dwellbeing, to help homebuyers and homeowners make smarter, more informed decisions and live with greater peace of mind.

Leveraging data science and insurance expertise, these tools were launched by Solaria Labs, Liberty Mutual’s network of innovation centers located in Boston and Singapore.

Total Home Score

“Total Home Score is an exciting new analytics product that helps consumers understand ‘hidden’ livability factors before they move into a new home. The Road Score factor measures the prevalence of aggressive and potentially dangerous driving around a neighborhood, while the Quiet Score factors in estimated noise levels surrounding a home,” says Adam L’Italien, vice president, Global Consumer Markets Innovation, Liberty Mutual Insurance. “At Solaria Labs, our plan is to add additional factors to this product, giving consumers more confidence and complete information to help them navigate the often stressful process of finding the right place to live.”

By making hidden livability factors more transparent, homebuyers can prioritize their home search based on what matters to them. Total Home Score currently includes address-specific estimates for:

  • Road Score: Built on second-by-second driving data and using Liberty Mutual’s data on daily traffic patterns, Road Score measures areas where aggressive driving (e.g., speeding, hard-braking) are more common.
  • Quiet Score: This score estimates the noise levels surrounding a home using data such as road, train and subway networks. Quiet Score is currently being fine-tuned with hundreds of field measurements around Greater Boston. 

Total Home Score livability factors range from 0-100, with 100 being the highest score. All livability factors start at 100 and decrease based on local geospatial data around the home.

 “There are many hidden factors that aren’t easily uncovered at an open house or home inspection. When looking for a home that’s right for your family, information is everything, and with Total Home Score, that information is right at your fingertips,” said DIY expert and television personality Chip Wade. Chip along with his wife and real estate agent Pauli Wade have teamed up with Liberty Mutual to show consumers the importance of having full transparency during a house hunt.

Total Home Score is currently available in Massachusetts and greater Chicago, rolling out to additional cities and states throughout the year.


Do you know everything you need to do to manage the “health” of your house or apartment proactively? If you're like most people, you probably don't. Solaria Labs is also launching Dwellbeing, a resource that helps homeowners proactively maintain their home with personalized task-orientated notifications. Dwellbeing will send customized alerts when common household appliances or systems need to be maintained and provide details on how to go about servicing them.

 “Instead of waiting for something to break, take a more proactive approach to manage the ‘health’ of your home. Dwellbeing makes caring for your home simple, easing stress, reducing risk and ultimately helping to protect your home and family,” said L’Italien.

Dwellbeing is in testing with a limited number of users and is expected to be available to the broader public later this year.

Topics: Building Green, Connected Homes / Smart Homes, Energy Audits, Going Green, Healthy Homes, Home Design & Plans, Sustainability Trends & Statistics, Sustainable Communities

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