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 InsuranceJune 1, 2025

What Is High-Value Home Insurance — and Who Needs It?

High-value home insurance is a category of coverage designed for expensive homes — typically those costing $1 million or more to rebuild. It's not a fancier version of a standard policy; it's built differently.

How it differs from a standard policy

Guaranteed or extended replacement cost — pays to rebuild even if costs exceed the limit.
Higher limits across the board — dwelling, liability, and contents.
Better coverage for valuables — higher sub-limits and easy scheduling for jewelry, art, and collections.
Cash settlement options — flexibility to take a cash payout on a total loss rather than rebuild.
Coordinated programs — home, auto, umbrella, and valuables structured together.
White-glove service — appraisals, risk assessments, and dedicated claims handling.

Who needs it

If your home costs $1M+ to rebuild, you have significant assets or valuables, or you own multiple/waterfront properties, a standard policy likely leaves gaps a high-value policy closes. It's also frequently competitive on price for these homes, not just broader.

How to get it

High-value carriers (Chubb, PURE, Cincinnati, and others) generally work through independent brokers. A broker determines whether you qualify and places you with the right one.

Frequently asked questions

What qualifies as a high-value home? Generally a home costing roughly $1M or more to rebuild, though carriers vary. Custom features and high-value contents also point toward this coverage.

Is high-value home insurance more expensive? Not always — it's materially broader, and for qualifying homes it can be competitive with a standard policy while protecting far more.

How do I get high-value home insurance? Through an independent broker, who can access private client carriers and confirm you qualify.

More in this series: Insuring a Custom-Built or Architect Home · What Underwriters Check on a High-Value Home

Insuring a high-value home is rarely just about the structure; High-Value Home Insurance in Redmond and Boat and Yacht Insurance in the Pacific Northwest round out the picture.

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

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