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 InsuranceJanuary 4, 2026

What Private Client Insurance Means on the Eastside

You'll see the term "private client" attached to insurance for affluent households, and it's easy to dismiss as a marketing label. It isn't. Private client insurance is a genuinely different category of coverage — built by specific carriers for high-value homes and high-net-worth families — and for many Eastside households it's the right fit rather than a standard policy.

What makes it different

Built for high-value homes. Carriers like Chubb, PURE, and Cincinnati (among others) write coverage designed for homes that cost well over $1M to rebuild — with guaranteed or extended replacement cost.
Broader, higher-limit coverage. Higher liability limits, generous coverage for valuables, and features standard policies cap or exclude.
One coordinated program. Home, auto, umbrella, valuables, and watercraft can be structured together so there are no gaps between policies.
Service built for complexity. Dedicated handling, appraisals, and claims service oriented to high-value property.

Who it's for

Private client coverage tends to fit households with a high-value home, significant assets (often equity-driven on the Eastside), valuable collections, multiple properties, or watercraft. If your balance sheet has outgrown a standard policy, it's usually worth comparing. The coverage gap calculator is a quick way to see whether your current coverage matches your net worth.

How to access it

Private client carriers generally work through independent brokers rather than direct-to-consumer. An independent broker can determine whether you qualify and place you with the right carrier for your situation.

Frequently asked questions

What is private client insurance? It's a category of coverage from specialty carriers built for high-value homes and high-net-worth households — with replacement-cost guarantees, higher limits, and coordinated home/auto/umbrella/valuables programs.

Do I qualify for private client coverage? Typically if you have a high-value home (often $1M+ rebuild cost), significant assets, valuable collections, or multiple properties. An independent broker can confirm.

Is private client insurance more expensive? Not always — and the coverage is materially broader. For high-value homes it can be competitive while protecting far more. A broker can compare it against your current policy.

More in this series: Insuring New Construction on the Eastside · Insuring a Luxury Condo in Downtown Bellevue

Coverage on the Eastside hinges on both the property and its hazards, so see also Why You Must Update Insurance After a Renovation and Flood Insurance in Washington: When You Need It.

Trella Insurance is an independent brokerage in Bellevue, WA, placing private client coverage across the Eastside. See your coverage gap with the 30-second calculator or request a free review.

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