Free risk review · No obligation
You probably have insurance. The question is whether you have enough.
Most households at a certain level of assets have at least one major coverage gap their broker never flagged — not because the broker was dishonest, but because they weren't looking. We start by looking.
Request your free coverage reviewWhy coverage gaps are more common than you think
63%
of high-net-worth households are underinsured on at least one major asset class, according to industry research on personal lines coverage gaps.
$0
is what a standard homeowners policy pays when a claim exceeds your dwelling limit — even if you renovated significantly since the policy was written.
- Most brokers sell. They don't audit. The policy you have was designed to be easy to explain and easy to sell. It was not necessarily designed to be right for your specific situation.
- Your life changes faster than your policies do. A kitchen renovation, a rental property, a side business, a new vehicle — each one creates exposure your existing policy may not reflect. Most people never call their broker after a major life change.
- Captive agents can't give you the full picture. An agent who only sells one carrier's products cannot honestly tell you that carrier is the wrong fit. An independent broker has no such limitation.
- Overlap is expensive too. It works both ways. Duplicate coverage across home, auto, and umbrella is common, and you're paying for protection you already have elsewhere.
What a Trella risk review covers
- Dwelling and property limits. We compare your insured value against current replacement cost in your market. Construction costs have risen sharply — policies written three years ago are often significantly undervalued today.
- Contents and personal property. Standard contents limits are a percentage of dwelling coverage and frequently fall short for households with art, jewelry, wine collections, or custom furnishings that need scheduled coverage.
- Liability exposure. We review your home, auto, and umbrella liability limits together — because a gap in one layer undermines the whole stack. We size umbrella coverage to your actual asset and income exposure.
- Auto and specialty vehicles. We check whether your vehicles are covered at replacement cost or depreciated value, and flag any business-use gaps if you use a personal vehicle for work.
- Redundancies and savings. We identify policies you may be paying for twice and carrier arrangements that could be consolidated without losing protection.
Common questions about the review
What does the free review actually include?
We review your existing policy declarations across home, auto, and umbrella — and map what's covered, what's missing, and what's redundant. You'll receive a clear summary of findings. There's no obligation to change anything or purchase a new policy through us.
How long does it take?
The initial conversation runs about 30 minutes. We'll ask you to share your current declarations pages in advance, which lets us come prepared with specific observations rather than generic questions.
What if I like my current broker?
That's completely fine. The review is genuinely informational. If your coverage is solid, we'll tell you so. If we find gaps, you can choose to act on them with us or take the findings back to your existing broker.
Is this really free?
Yes. Like most independent brokers, we are compensated through commissions paid by carriers when a policy is placed. The review itself carries no fee.
A 30-minute conversation that changes your coverage picture.
Bring your current declarations pages. We'll tell you exactly where you stand.
Request a free risk reviewNo obligation · We respond within 24 hours · Licensed in Washington & Idaho