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 7, 2025

What Personal Umbrella Insurance Actually Costs

Personal umbrella insurance is famous for being cheap relative to the protection it provides. Here's what it actually costs and what affects the price.

Typical pricing

First $1 million: roughly $150–$300 per year.
Each additional million: about $75–$100 per year.
So a $3M umbrella often lands around $300–$500 per year total.

That's a few hundred dollars to protect a seven-figure net worth — one of the best value ratios in insurance.

What moves the price

Number of homes and vehicles — more underlying exposure, slightly higher cost.
Teen or young drivers in the household.
Rental properties you own.
Watercraft and recreational vehicles.
Underlying limits — you'll need minimums in place (often $300K home, $250K/$500K auto).

Why it's so affordable

Large liability claims are relatively rare, so insurers can offer high limits cheaply. That's exactly why financial advisors recommend it so consistently — the protection-per-dollar is hard to beat. See how much you need with the coverage gap calculator.

Frequently asked questions

How much does umbrella insurance cost per year? Typically $150–$300 for the first $1M and $75–$100 for each additional million, so a $3M policy often runs $300–$500 annually.

Why is umbrella insurance so cheap? Large liability claims are relatively infrequent, so insurers can offer high limits at low cost — making it one of the best value coverages available.

What makes my umbrella premium higher? More homes and vehicles, teen drivers, rental properties, and watercraft all raise the price modestly.

More in this series: The Underlying Limits Your Umbrella Requires · Umbrella Insurance When You Own Rentals

An umbrella only does its job when the layers beneath it hold up, so pair this with Asset Protection When Most of Your Wealth Is Equity and Short-Term Rental Insurance in Washington.

Trella Insurance is an independent brokerage in Bellevue, WA. Calculate how much you need in 30 seconds or request a free review.

← PreviousThe Underlying Limits Your Umbrella Requires Next →Is a $1 Million Umbrella Policy Enough?

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