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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Specialty CoverageFebruary 16, 2025

"Scheduled Personal Property: Covering Your Valuables"

"Scheduled personal property" is the insurance term for properly covering your valuables — and it's the fix for the low sub-limits that leave most people under-protected on the things they care about most.

What it is

Your base homeowners policy caps categories like jewelry, watches, furs, firearms, art, and collectibles at low sub-limits (often $1,500–$5,000), with named-peril coverage. Scheduling lists specific items (or covers a category as a blanket) for their full value, with much broader protection.

Why it's better

Full agreed/appraised value, not a sub-limit.
All-risk coverage — including accidental loss and mysterious disappearance.
Often no deductible.
Worldwide protection.

What people commonly schedule

Engagement and other jewelry
Watches
Fine art and collectibles
Firearms
Cameras and high-value electronics
Wine and other collections

How to do it

Inventory items above your policy's sub-limits.
Appraise or keep receipts for value.
Schedule individually, or use a blanket for collections.
Review periodically as values change.

Frequently asked questions

What is scheduled personal property? An endorsement that insures specific valuables for their full value with broad all-risk coverage, beyond the low sub-limits of a base policy.

What should I schedule? Anything worth more than your policy's category sub-limit — jewelry, watches, art, firearms, cameras, and collections.

Does scheduling have a deductible? Often none, and the coverage is broader (all-risk, worldwide) than your base policy's.

More in this series: How to Insure an Engagement Ring · Insuring a Garage of High-Value Vehicles

Valuables need protection that connects to your home and broader wealth, so see Is Your Home Underinsured? How to Find the Gap and The Insurance Gaps High-Income Tech Employees Miss.

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

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