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

Umbrella InsuranceSeptember 21, 2025

How Much Umbrella Insurance Do You Need?

The most common question about umbrella insurance is also the most important: how much should you carry? Here's the rule, and the adjustments that matter.

The base rule

Carry an umbrella limit at least equal to your net worth. Umbrella insurance protects your assets from a liability judgment, so your coverage should be able to absorb a claim large enough to threaten what you have.

$1M net worth → $1M minimum
$2–3M net worth → typically $2M–$5M
Include all reachable assets — home equity, savings, investments, and vested equity.

The coverage gap calculator does this math for you in seconds.

The adjustments that push it higher

Net worth is the floor, not the whole answer. Carry more if you have:

High future earnings — judgments can attach to future income, not just current assets.
Rental property — each property is added liability exposure.
Teen drivers — statistically higher accident risk.
Household staff, a pool, a dog, or frequent hosting — added premises and employment exposure.

Why over-insuring barely costs anything

The second and third million of umbrella coverage are far cheaper than the first — often $75–$100 each per year. That makes rounding up an easy decision.

Frequently asked questions

What's the rule of thumb for umbrella insurance? Carry a limit at least equal to your net worth, and more if you have high future earnings, rental property, teen drivers, or other elevated exposures.

Does umbrella coverage include my future income? Indirectly — because a judgment can reach future earnings, high earners often size their umbrella above current net worth to account for it.

Is it worth buying more umbrella than my net worth? Often yes. Additional millions are inexpensive ($75–$100/year each), and they protect against judgments that exceed your current assets.

More in this series: Is a $1 Million Umbrella Policy Enough? · What Personal Umbrella Insurance Actually Costs

An umbrella only does its job when the layers beneath it hold up, so pair this with Your RSUs Vested. Now You Need Umbrella Insurance. and Does Homeowners Insurance Cover Airbnb? Usually Not..

Trella Insurance is an independent brokerage in Bellevue, WA. See your number in the 30-second calculator or request a free review.

← PreviousIs a $1 Million Umbrella Policy Enough?Next →Insuring a New Tesla or High-End EV

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