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.

← All articles

Specialty CoverageMarch 9, 2025

Collector Car Insurance and Agreed Value

A collector or classic car is the one vehicle that appreciates, which makes standard auto insurance exactly the wrong fit. Standard policies pay actual cash value — a depreciated figure that ignores a classic's real worth. Collector car insurance with agreed value solves it.

What agreed value means

You and the insurer agree on the car's value up front, and that's what's paid in a total loss — no depreciation, no haggling at claim time. For a $90,000 restored classic, that's the difference between a $90,000 payout and a "book value" fraction.

Other collector-policy advantages

Lower premiums than standard auto, because collector cars are driven less.
Mileage allowances suited to limited use (with options for more).
Specialized repair provisions — choice of restoration shop, OEM/period-correct parts.
Coverage for spare parts and sometimes the collection as a whole.

What to confirm

Agreed value set to a realistic, documented figure.
Usage terms match how you actually drive it.
Liability coordinated with your umbrella.

Frequently asked questions

What is agreed value car insurance? Coverage where you and the insurer agree on the car's value in advance; that amount is paid in a total loss, with no depreciation.

Why not just use my regular auto policy for a classic? Standard policies pay depreciated actual cash value, often far below a collector car's worth, and lack collector-specific repair provisions.

Are collector car policies expensive? Often less than standard auto, since these cars are driven limited miles — while providing far better payout protection.

More in this series: Jewelry Insurance vs Your Homeowners Policy · Fine Art Insurance for Collectors

Valuables need protection that connects to your home and broader wealth, so see How Much Homeowners Insurance Do You Need for a $2 Million Home? and Your RSUs Vested. Now You Need Umbrella Insurance..

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

← PreviousJewelry Insurance vs Your Homeowners Policy Next →Vacation and Seasonal Home Insurance in Washington

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