Prospective homebuyers can uncover valuable local information with Total Home Score; Homeowners won’t be left in the dark about home maintenance with Dwellbeing

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? Today, Liberty Mutual Insurance announces 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 are being 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 in to 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.                            

About Solaria Labs  

Solaria Labs is Liberty Mutual Insurance’s Innovation Center founded in September 2015. Solaria Labs was established to help foster new ideas, solve unmet consumer needs and create a more experimental culture across Liberty Mutual. The labs explore trend areas such as vehicle autonomy, the sharing economy and connected living to surface opportunities for increasing people’s day to day safety, protection and convenience.  Solaria Labs collaborates with startups, universities such as MIT and data-rich “Smart Cities” like Boston, Chicago and Singapore. Solaria Labs is located in Boston, and recently launched a new location in Singapore. Additional details on Solaria Labs can also be found at

About Liberty Mutual Insurance

Liberty Mutual Insurance helps people preserve and protect what they earn, build, own and cherish. Keeping this promise means, we are there when our policyholders throughout the world need us most.

In business since 1912, and headquartered in Boston, Mass., today Liberty Mutual is a diversified insurer with operations in 30 countries and economies around the world. We are the fifth largest property and casualty insurer in the U.S. based on 2016 direct written premium data as reported by the National Association of Insurance Commissioners. We also rank 75th on the Fortune 100 list of largest corporations in the U.S. based on 2016 revenue. Liberty employs over 50,000 people in more than 800 offices throughout the world.

The fifth largest auto and home insurer in the U.S., Liberty Mutual ( sells full lines of coverage for automobile, homeowners, valuable possessions, personal liability, and individual life insurance. We are an industry leader in affinity partnerships, offering car and home insurance to employees and members of more than 15,000 companies, credit unions, professional associations and alumni groups.

Media Contact:

Glenn Greenberg


Jenny Gusella

Share This Page