Question 1

What is Trella Insurance?

Accepted Answer

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.

Question 2

How does an independent insurance broker differ from a captive agent?

Accepted Answer

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.

Question 3

What does a risk review cost?

Accepted Answer

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.

Question 4

What types of insurance does Trella Insurance offer?

Accepted Answer

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.

Question 5

What is an umbrella insurance policy and how much do I need?

Accepted Answer

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.

Question 6

Does Trella Insurance work with business owners?

Accepted Answer

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.

Question 7

What areas does Trella Insurance serve?

Accepted Answer

Trella Insurance is based in Bellevue, WA and licensed in Washington, WAOIC #1356476. We are expanding state licensing to serve clients nationally.

Question 8

How does Trella Insurance get paid?

Accepted Answer

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.

Question 9

What is replacement cost coverage and why does it matter?

Accepted Answer

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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