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 CoverageFebruary 23, 2025

Fine Art Insurance for Collectors

A meaningful art collection is exactly the kind of asset standard homeowners insurance handles badly — high value, hard to value, and exposed to risks (transit, handling, restoration) a normal policy ignores.

Why standard coverage falls short

Sub-limits cap art and collectibles well below their worth.
Named perils miss the ways art actually gets damaged — handling, transit, accidental damage.
No valuation expertise for appreciating or unique works.

What fine art coverage provides

Agreed value based on appraisals, with provisions for appreciation.
All-risk coverage — including accidental damage, transit, and while on loan to exhibitions.
Restoration and depreciation clauses — covering loss of value after damage, not just repair.
Blanket or scheduled options depending on collection size.

Managing a collection

Appraise regularly — values change.
Document provenance and condition.
Schedule or blanket based on size and turnover.
Mind transit and loans — coverage should follow the work.

Frequently asked questions

Does homeowners insurance cover fine art? Only to a low sub-limit and for named perils. Collectors need scheduled or blanket fine art coverage for full, all-risk protection.

How is art valued for insurance? Through professional appraisals, with agreed-value coverage and provisions to account for appreciation over time.

Is my art covered in transit or on loan? Standard policies usually don't cover this; fine art policies can extend to transit and exhibition loans.

More in this series: Scheduled Personal Property: Covering Your Valuables · How to Insure an Engagement Ring

Valuables need protection that connects to your home and broader wealth, so see Replacement Cost vs Market Value: Why It Matters and Asset Protection When Most of Your Wealth Is Equity.

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

← Previous"Scheduled Personal Property: Covering Your Valuables"Next →Jewelry Insurance vs Your Homeowners Policy

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