Reinsurance (Tables)

12 Months Ended

Dec. 31, 2021

Reinsurance Disclosures [Abstract]

Summary of the Effects of Reinsurance

The following table presents the effects of reinsurance and assumption transactions on written premiums, earned premiums and losses and LAE (dollars in thousands). The 2021, 2020 and 2019 ceded written and earned premium amounts include $86,000, $195,000 and $495,000 of reinsurance reinstatement costs relating to Hurricane Irma, respectively.  In 2021, ceded written and earned amounts include $340,000 of reinsurance reinstatement costs relating to Winter Storm Uri.

	Year Ended December 31,
	2021			2020			2019
Written premiums:
Direct	$	97,801		$	82,430		$	68,394
Assumed		34,294			28,905			33,459
Ceded		(30,666	)		(18,395	)		(14,129	)
Net written premiums	$	101,429		$	92,940		$	87,724
Earned premiums:
Direct	$	91,943		$	75,130		$	70,911
Assumed		31,107			31,484			32,292
Ceded		(24,248	)		(17,511	)		(14,114	)
Net earned premiums	$	98,802		$	89,103		$	89,089
Loss and loss adjustment expenses:
Direct	$	71,021		$	48,780		$	66,256
Assumed		25,740			24,429			25,510
Ceded		(26,900	)		(16,981	)		(32,022	)
Net loss and LAE	$	69,861		$	56,228		$	59,744