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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Home InsuranceMay 4, 2025

Does Homeowners Insurance Cover Airbnb? Usually Not.

If you list your home — or a room — on Airbnb or Vrbo, your standard homeowners policy likely won't cover what happens during a paid stay. Most homeowners discover this only after a claim is denied.

Why standard policies don't cover it

Homeowners policies are written for owner-occupied, personal use. Renting to paying guests is considered a business activity, which standard policies exclude or sharply limit. So a guest injury, theft, or damage during a paid stay can fall into a gap — and in the worst case, an insurer that learns you're hosting without disclosure may non-renew your policy.

What about Airbnb's "AirCover"?

Platform protection like AirCover helps, but it has limits and exclusions and isn't a substitute for proper insurance. Claims can fall between the platform's coverage and your personal policy.

How to cover it properly

Tell your insurer you host — non-disclosure risks denial and non-renewal.
Add a home-sharing endorsement if your carrier offers one (occasional hosting), or
Get a short-term rental / commercial policy for regular hosting.
Confirm liability extends to guests, and carry an umbrella.

Frequently asked questions

Does my homeowners insurance cover Airbnb guests? Usually not — hosting is treated as business use, which standard policies exclude. You typically need a home-sharing endorsement or a short-term rental policy.

Is Airbnb's AirCover enough? No. It helps but has limits and exclusions; it's not a replacement for proper host insurance.

Will my insurer drop me for hosting? They can, if you host without disclosing it. Telling your insurer and getting the right coverage protects you.

More in this series: Landlord Insurance in Washington (DP-3), Explained · Short-Term Rental Insurance in Washington

Rental and landlord coverage overlaps with personal liability and location risk, so also read How Much Umbrella Insurance Do You Need? and High-Value Home Insurance in Newcastle, WA.

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

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