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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Umbrella InsuranceSeptember 14, 2025

Is a $1 Million Umbrella Policy Enough?

A $1 million umbrella is the default — the limit most agents quote and most households buy without much thought. For some people it's plenty. For a growing number, it's the point where coverage quietly falls short.

When $1M is fine

If your net worth is roughly $1M or less and you don't have unusual exposures (no rental property, no teen drivers, no significant future earnings at stake), a $1M umbrella reasonably matches what you have to protect.

When $1M isn't enough

Your net worth exceeds $1M — including vested equity, home equity, and investments. The umbrella should match it.
Large jury awards. Serious injury verdicts can run well into the millions; $1M can be exhausted by a single bad accident.
Elevated exposures — rental property, teen drivers, a pool, frequent hosting, or household staff all push the right number higher.
High future earnings a judgment could attach to.

The coverage gap calculator shows whether $1M covers you or leaves a gap.

The cheap fix

Because additional umbrella limits cost only $75–$100 per million per year, moving from $1M to $2M or $3M is inexpensive relative to the protection. The cost argument for staying at $1M is weak once you have real assets.

Frequently asked questions

Is $1 million in umbrella coverage enough? It's enough if your net worth is around $1M or less with no unusual exposures. If your assets (including vested equity) exceed $1M, or you have rentals, teen drivers, or high future income, it's usually not.

How do I know if I need more than $1M? Compare your umbrella limit to your net worth and exposures. If net worth exceeds $1M or you have elevated risks, size up — it's inexpensive.

How much does it cost to go from $1M to $3M? Typically an extra $150–$200 per year total, since each additional million runs about $75–$100.

More in this series: What Personal Umbrella Insurance Actually Costs · The Underlying Limits Your Umbrella Requires

An umbrella only does its job when the layers beneath it hold up, so pair this with You're "High Net Worth" on Paper — and Probably Underinsured and Landlord Insurance in Washington (DP-3), Explained.

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

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