Reinsurance	3 Months Ended
Mar. 31, 2013
Reinsurance Disclosures [Abstract]
Reinsurance	REINSURANCE We follow industry practice of reinsuring a portion of our risks. Our reinsurance program is designed, utilizing our risk management methodology, to address our exposure to catastrophes. Our program provides reinsurance protection for catastrophes including hurricanes, tropical storms, and tornadoes. We entered into excess-of-loss agreements with several private reinsurers and with the Florida Hurricane Catastrophe Fund. These reinsurance agreements are part of our catastrophe management strategy, which is intended to provide our shareholders an acceptable return on the risks assumed in our property business, and to reduce variability of earnings, while providing protection to our policyholders. We made no changes to the terms of our current agreements as we disclosed those terms in our 2012 Form 10-K. We write flood insurance under an agreement with the National Flood Insurance Program. We cede 100% of the premiums written and the related risk of loss to the federal government. We earn commissions for the issuance of flood policies based upon a fixed percentage of net written premiums and the processing of flood claims based upon a fixed percentage of incurred losses, and we can earn additional commissions by meeting certain growth targets for the number of in-force policies. We recognized commission revenue from our flood program of $80,000 and $97,000, for the three-month periods ended March 31, 2013 and 2012, respectively. We realized recoveries under our reinsurance agreements totaling $193,000 and $725,000 for the three-month periods ended March 31, 2013 and 2012, respectively.

Reinsurance

3 Months Ended

Mar. 31, 2013

REINSURANCE

We follow industry practice of reinsuring a portion of our risks. Our reinsurance program is designed, utilizing our risk management methodology, to address our exposure to catastrophes. Our program provides reinsurance protection for catastrophes including hurricanes, tropical storms, and tornadoes. We entered into excess-of-loss agreements with several private reinsurers and with the Florida Hurricane Catastrophe Fund. These reinsurance agreements are part of our catastrophe management strategy, which is intended to provide our shareholders an acceptable return on the risks assumed in our property business, and to reduce variability of earnings, while providing protection to our policyholders.

We made no changes to the terms of our current agreements as we disclosed those terms in our 2012 Form 10-K.

We write flood insurance under an agreement with the National Flood Insurance Program. We cede 100% of the premiums written and the related risk of loss to the federal government. We earn commissions for the issuance of flood policies based upon a fixed percentage of net written premiums and the processing of flood claims based upon a fixed percentage of incurred losses, and we can earn additional commissions by meeting certain growth targets for the number of in-force policies. We recognized commission revenue from our flood program of $80,000 and $97,000, for the three-month periods ended March 31, 2013 and 2012, respectively.

We realized recoveries under our reinsurance agreements totaling $193,000 and $725,000 for the three-month periods ended March 31, 2013 and 2012, respectively.