What is Trella Insurance?

Trella Insurance is an independent insurance brokerage based in Bellevue, Washington. We serve high-asset households and real estate investors by conducting comprehensive risk reviews and designing personal lines coverage — home, auto, umbrella, and rental property.

How does an independent insurance broker differ from a captive agent?

A captive agent works for one insurance company and can only offer that company's products. An independent broker like Trella Insurance works with multiple carriers and shops the market on your behalf to find coverage that fits your actual situation — not just what one insurer sells.

What does a risk review cost?

Trella Insurance's initial risk review is complimentary. There is no charge for us to audit your current policies, identify coverage gaps or redundancies, and present our findings.

What types of insurance does Trella Insurance offer?

Trella Insurance offers personal lines insurance (home, dwelling, contents, liability, loss of use), auto insurance for daily drivers and collector vehicles, umbrella liability policies, and landlord coverage for rental properties.

What is an umbrella insurance policy and how much do I need?

An umbrella policy provides liability coverage beyond the limits of your home, auto, or commercial policies — it activates when a claim exceeds your underlying policy limit. Most high-asset households and property owners need significantly more umbrella coverage than a standard $1 million policy provides, especially if they own rental properties or operate a business.

Does Trella Insurance work with business owners?

Yes. Business owners often have more complex personal insurance needs — higher-value homes, rental properties, and greater liability exposure. Trella focuses on personal lines: home, umbrella, auto, and rental property. Commercial lines are coming soon.

What areas does Trella Insurance serve?

Trella Insurance is based in Bellevue, WA and licensed in Washington, WAOIC #1356476. We are expanding state licensing to serve clients nationally.

How does Trella Insurance get paid?

Like most independent brokers, Trella Insurance is compensated through commissions paid by the insurance carriers when a policy is placed. The initial risk review and brokerage service carry no direct fee to clients.

What is replacement cost coverage and why does it matter?

Replacement cost coverage pays to rebuild or replace your property at current construction costs, regardless of depreciation. Actual cash value coverage — common in standard policies — pays only the depreciated value, which is often far less than what it actually costs to rebuild. Many homeowners discover this gap only after a significant loss.

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Specialty CoverageJanuary 26, 2025

Boat and Yacht Insurance in the Pacific Northwest

From Lake Washington to Puget Sound to the San Juans, the Pacific Northwest is a boater's region — and watercraft coverage here has specifics worth understanding, whether you've got a ski boat or a cruising yacht.

What watercraft coverage includes

Hull / physical damage — agreed or replacement value for the vessel.
Liability — for injury or damage you're responsible for on the water.
Medical payments, uninsured boater, and wreck removal.
Personal effects and equipment aboard.

PNW-specific considerations

Navigation territory. Policies define where you're covered — Sound, coastal waters, the San Juans, or up to Alaska. Confirm it matches where you actually go.
Seasonality and lay-up. Off-season storage can earn lay-up credits; winterization matters for claims.
Moorage and docks. Coverage for the vessel at a private dock, and how it ties to your home/umbrella.
Larger yachts need yacht policies (broader than small-boat coverage), often with surveys.

Tie it to your umbrella

Watercraft liability should be coordinated with your personal umbrella, which can extend over the boat when structured correctly. The coverage gap calculator is a starting point for the limit.

Frequently asked questions

Does homeowners insurance cover my boat? Only small boats minimally; anything substantial needs a dedicated watercraft or yacht policy for hull, liability, and related coverage.

What's special about boat insurance in the PNW? Navigation territory (Sound, San Juans, coastal), seasonality/lay-up, and moorage all shape coverage — confirm the policy matches your boating.

Can my umbrella cover my boat's liability? Often yes, when coordinated correctly — your umbrella can extend over watercraft liability above the boat policy's limit.

More in this series: Insuring a Wine Collection · Collector Car Insurance and Agreed Value

Valuables need protection that connects to your home and broader wealth, so see What Is High-Value Home Insurance — and Who Needs It? and Insurance for the Dual-Tech-Income Household.

Trella Insurance is an independent brokerage in Bellevue, WA. Try the coverage gap calculator or request a free review.

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