Deferred Tax Assets And Liabilities (Details) (USD $) - USD ($)	Dec. 31, 2019	Dec. 31, 2018
Deferred tax assets
Discounting of loss reserves	$ 329,065	$ 324,346
Net unearned premium	747,217	671,792
Unearned Commission	432,969	388,099
Unearned policy fees	145,533	166,565
Net operating loss caryforwards	4,145,783	3,515,221
State income taxes	1,931,665	1,850,934
Unrealized losses on investments	0	292,415
Bad debt reserve	336,075	340,688
Other deferred tax assets	205,292	195,048
Total deferred tax assets	8,273,599	7,745,108
Valuation allowance	2,531,665	1,850,934
Deferred tax assets net of valuation allowance	5,741,934	5,894,174
Deferred tax liabilities
Policy acquisition costs	892,349	867,652
State tax on undistributed insurance company earnings	343,735	392,802
Federal tax liability on state deferred tax assets	90,461	81,723
Depreciation	175,524	176,513
Unrealized gains on investments	314,433	0
Total deferred tax liabilities	1,816,502	1,518,690
Net deferred tax assets	$ 3,925,432	$ 4,375,484