Personal insurance · Bellevue, WA
Insurance that fits
what you've
actually built.
Most households at your level have coverage gaps their broker never flagged. We start with a complete picture — then design protection that actually matches your life.
20+Carrier partners
WA·IDLicensed
24hrResponse time
$0For the review
Request a FREE risk review
We'll reach out within 24 hours to schedule a conversation.
Independent brokernot tied to any single carrier
20+ carrier partnerswe shop the market for you
Free risk reviewno obligation, ever
Licensed in WA & IDP&C broker, active
The gap most brokers leave
Your life has grown.
Your coverage probably hasn't kept up.
63%
of high-net-worth households are underinsured on at least one major asset class, according to industry research on personal lines coverage gaps.
$300,000+
is the out-of-pocket gap a typical homeowner faces after a total loss — the difference between what it costs to rebuild and what their policy actually covers.
Most brokers sell, not audit. The policy you have was designed to be easy to explain, not necessarily right for your situation.
Umbrella policies are chronically undersized. A $1M umbrella sounds like a lot until you understand your actual liability exposure as a property owner or high net-worth family.
Overlap costs you money too. Duplicate coverage across home, auto, and umbrella is common and expensive. We find it.
Life changes outpace policy updates. Renovations, new properties, a business, a vehicle — each one creates exposure your existing policy may not cover.
How it works
Three steps to complete coverage, at no cost to you.
01
We audit your current picture
Share what you have. We review your existing policies across home, auto, and umbrella — and map what's covered, what's missing, and what's redundant.
02
We design what you actually need
We build a coverage architecture tailored to your assets, your lifestyle, and your risk profile. Not a package. Not a default. Something that actually fits.
03
We manage it over time
Your life changes. We stay ahead of it. Annual reviews, proactive adjustments, and a broker who knows your full picture — not just the last policy they sold you.
What we cover
Built for complex lives
We start where you are and grow your coverage as your life evolves. Most clients begin with one line and add more over time as we build a complete picture together.
Personal lines
Home & property
Dwelling, contents, liability, and loss of use — structured around the actual value of what you've built and renovated, not your purchase price.
Auto
Vehicle coverage
From daily drivers to collector vehicles, with coverage limits that reflect replacement cost and agreed value — not depreciated book value.
Liability
Umbrella policies
The layer of protection most people have too little of. Sized to your actual exposure as a property owner, employer, or business operator.
Business
Commercial lines
General liability, professional liability, commercial property, and specialty coverage — coordinated with your personal lines so nothing falls through the gaps.
Coming soonWho we serve
If this sounds like you,
we should talk.
The high-earning household
A home you've invested in, vehicles, and a lifestyle that standard policies weren't designed for. Whether you have one income or two, you've outgrown the coverage that came with your first broker.
Home coverage at true replacement value
Coordinated auto and liability
A broker who knows the whole picture
The business owner
You have a home, vehicles, and personal assets that need protection independent of your business. We make sure your personal lines are built for someone with your level of exposure.
Home and property coverage at true value
Umbrella liability sized to your exposure
Annual review as your life evolves
The real estate investor
Multiple properties create multiple exposures. A patchwork of separate policies is expensive and full of holes. We architect coverage across your entire portfolio.
Portfolio-level coverage architecture
Landlord and rental property coverage
Umbrella coverage for total exposure
Why Trella
Built on credentials.
Differentiated by approach.
Licensed in Washington & Idaho
We hold active P&C licenses in Washington (WAOIC #1356476) and Idaho, with additional state licensing expanding as we grow. Full details on our licenses page.
Independent brokerage
We're not captive to any single carrier. We compare 20+ top-rated insurers and recommend what's actually right for your situation — not what one company sells.
Technology-enabled service
We use modern tools to deliver a depth of analysis that traditional brokers can't match — and to stay ahead of changes in your coverage needs over time.
CPA and advisor referral network
Many of our clients come to us through their financial advisors and CPAs — professionals who trust us to protect the wealth they help their clients build.
★★★★★
Jason was so patient and thorough. He took the time to understand our home and auto insurance needs and recommended an umbrella policy that provided the extra layer of protection we wanted. We switched to Trella Insurance and are now saving money while having better coverage. I highly recommend working with him!
Verified client · Emily R., Bellevue, WA
★★★★★
Kevin really listened to what mattered most to our family. He helped us secure comprehensive home and auto policies along with a solid umbrella through Trella. The process was straightforward, and we ended up with more protection for less money. Couldn't be happier!
Verified client · James K., Kirkland, WA
★★★★★
Kevin was fantastic from our first conversation. He tailored a home, auto, and umbrella package that fit our lifestyle perfectly. Trella Insurance has exceeded our expectations, and we're grateful for the personalized service and cost savings.
Verified client · Sophia L., Medina, WA
Your coverage picture
starts with one conversation.
No obligation. No sales pressure. Just a clear look at where you stand.
We respond within 24 hours · Licensed in Washington & Idaho