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 InsuranceApril 6, 2025

Insuring a Rental Property Held in an LLC

Many investors hold rental property in an LLC for liability separation. Smart — but it changes how the property must be insured, and it can quietly undo coverage you assumed was in place.

What changes with an LLC

The named insured must match the owner. If the LLC owns the property, the policy should name the LLC (or list it appropriately). A policy in your personal name on an LLC-owned property can create coverage disputes.
Your personal umbrella may not extend to it. Personal umbrellas typically cover property owned by you, not by a separate entity. An LLC-held rental may fall outside your personal umbrella, leaving a liability gap.
Commercial coverage may be needed. Multiple properties or a true rental business often call for a commercial policy and a commercial umbrella.

What to do

Match the named insured to the LLC.
Confirm liability coverage for the LLC's properties.
Add a commercial umbrella if your personal umbrella won't extend — sized to the portfolio.
Coordinate with your attorney/CPA so the insurance and entity structure align.

Frequently asked questions

Does my personal umbrella cover an LLC-owned rental? Often not — personal umbrellas generally cover property you own personally, not a separate entity. An LLC-held rental may need its own or commercial umbrella coverage.

Whose name goes on the policy for an LLC rental? The LLC should be the named insured (or properly listed). A mismatch between owner and named insured can cause claim disputes.

Do I need commercial insurance for LLC rentals? Frequently, especially with multiple properties — a commercial policy and commercial umbrella may be the right structure.

More in this series: Insuring a Portfolio of Rental Properties · The Coverage Gaps Every Airbnb Host Should Know

Rental and landlord coverage overlaps with personal liability and location risk, so also read Umbrella Insurance When You Own Rentals and Insuring a Waterfront Home in Newport Shores, Bellevue.

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

← PreviousInsuring a Portfolio of Rental Properties Next →"Landlord vs Homeowners Insurance: Know the Difference"

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Insuring a Rental Property Held in an LLC

What changes with an LLC

What to do

Frequently asked questions

Your coverage picturestarts with one conversation.

Your coverage picture
starts with one conversation.