Who's Keeping Score?

Introducing Planna's PropertyScore

At Planna, we believe that property assessments should do more than just tick a few boxes about size and location. Over the past two years, we’ve been quietly refining a powerful tool we call the PropertyScore. This score, powered by three patent-pending AI technologies, brings together thousands of data points to give a clear, actionable view of a property’s health, efficiency and other key factors. As we use the score behind the scenes, we’re seeing how it could reshape homeownership, insurance, and even property financing.

Our Property Score goes beyond the surface. It considers factors like a home’s physical condition, energy efficiency, running costs, and location – all the things that impact not just the value of a property but the quality of life for those living there. Our goal? To make it easy for property owners to understand the true condition of their homes and, more importantly, to improve it. When you know where a property stands in these areas, you can make smarter choices about maintenance and upgrades, improving not just your score but your comfort, efficiency, and even long-term property value.

Creating a Clear Picture of Property Health

In developing this score, we realised that traditional property evaluations don’t offer a full picture. Properties are complex systems that evolve, wear down, and need care. With our AI technologies, we’re able to analyse the state of repair and energy efficiency of a property, gauge ongoing running costs, and even look at location data with a level of detail that’s simply not available through other remote assessments.

And the best part? This score is something you can improve. For example, if your property’s energy efficiency is low, we can offer insights into the most impactful improvements, whether it’s upgrading insulation, switching out an old boiler, or adding solar panels. And if you decide to make these improvements, your score reflects that. We’re giving homeowners the data they need to take ownership of their home’s condition and performance.

Making Data Matter in Insurance

One of the most exciting things about the PropertyScore is how it could simplify and improve the insurance process. Today, when you change insurance providers, you can take your no-claims discount with you as proof of your safe driving. We see a similar future for the PropertyScore in home insurance. Imagine being able to show insurers a record of your home’s score and maintenance history. With proof that you’ve maintained your property well, insurers could see you as a lower risk, which could lead to better premiums and more personalised coverage.

This could mean real savings for homeowners who take care of their properties, and it gives insurers an easier way to evaluate risk. Rather than relying on broad categories like age or postcode, insurers would have access to data that shows a home’s actual condition and maintenance history. This kind of data transparency benefits everyone, and we think it could become the new standard in property insurance.

Supporting Funding for Property Improvements

Beyond insurance, there’s also huge potential for the Property Score to help homeowners access funding for improvements. We surveyed over a thousand homeowners, and the top reason they cited for delaying improvement projects and upkeep was cost. Most were also unaware of available grants and incentives to encourage energy-efficient upgrades. But accessing this funding can be a challenge, especially if you don’t have a clear view of your property’s current efficiency level or a roadmap for what improvements are most beneficial.

Our PropertyScore will make this process a whole lot easier. With a verified score, property owners will have a clear benchmark that shows where their home stands and what improvements could have the most impact. This not only simplifies the grant application process but also gives homeowners peace of mind that they’re making smart, data-driven decisions about their property.

For those looking to refinance or get a loan for home improvements, the PropertyScore will offer another advantage. By showing lenders a clear record of the property’s score and maintenance history, owners of high-scoring homes could be seen as lower financial risks. This will open up access to better financing terms and make it easier to invest in home upgrades that enhance both property value and sustainability.

The Future of Homeownership with Planna

We’re just getting started. As more people recognise the value of a comprehensive property score, we see a future where the PropertyScore becomes as essential to homeownership as a credit score is to personal finance. Imagine a world where your property’s score, along with a detailed maintenance history, can follow you from one insurer to another or serve as proof when applying for energy grants or refinancing.

We’re excited to be part of this evolution. By empowering homeowners with data, we’re helping people make smarter, more sustainable choices for their homes. And by building a scoring system that prioritises transparency and long-term value, we’re laying the groundwork for a housing market that benefits everyone: from owners to insurers to financial institutions.

We see our PropertyScore as more than just a number. It’s a tool for change – a way to improve the places we call home and, in the process, create a more resilient, transparent property market.