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Segment Information (Tables)
 12 Months Ended
Dec. 31, 2025
Segment Reporting [Abstract]  
Schedule of segment reporting information The operating results of the personal property and casualty insurance reportable segment is presented in the following table below ($ in millions):
Years ended December 31,
202520242023
Total revenue$737.9 $526.5 $429.8 
less: Loss and loss adjustment expenses, net347.0 277.0 280.4 
         Other insurance expense93.7 76.8 59.2 
         Sales and marketing37.1 44.8 46.7 
         Advertising expenses187.3 121.5 55.2 
         Technology development93.9 85.8 88.8 
         General and administrative122.3 98.0 102.2 
         Interest expense17.3 6.2 0.4 
         Depreciation and amortization15.2 20.0 20.0 
         Other expenses (1)(2)(3)
(15.0)0.3 6.7 
         Income tax (benefit) expense4.6 (1.7)7.1 
Segment / Consolidated Net loss$(165.5)$(202.2)$(236.9)
(1)    Includes $11.7 million of tax refund under the Employee Retention Credit Program (Note 17), $2.3 million of gain from early lease termination (Note 21) and $1.0 million recovery related to a liability claim exposure (Note 20) for the year ended December 31, 2025.
(2)     Includes asset impairment charge of $0.3 million related to the New York office sublease (Note 21) for the year ended December 31, 2024.
(3)     Includes asset impairment charge of $3.7 million related to the San Francisco office sublease (Note 21) and $3.0 million accrual for a potential liability claim related to Metromile (Note 20) for the year ended December 31, 2023.
Schedule of Gross written premium by state Gross written premium by location is as follows ($ in millions):
 Years ended December 31,
 202520242023
LocationAmount% of GWPAmount% of GWPAmount% of GWP
California$256.8 21.9 %$225.6 24.3 %$191.6 25.9 %
Texas148.8 12.7 %133.7 14.4 %117.5 15.9 %
New York116.4 9.9 %96.3 10.4 %80.8 10.9 %
Washington60.2 5.1 %38.9 4.2 %25.9 3.5 %
Illinois54.0 4.6 %43.7 4.7 %35.3 4.8 %
New Jersey52.7 4.5 %44.3 4.8 %37.6 5.1 %
Colorado 40.9 3.5 %29.2 3.1 %22.0 3.0 %
Florida33.8 2.9 %19.4 2.1 %9.3 1.3 %
Pennsylvania33.0 2.8 %24.9 2.7 %19.7 2.7 %
Arizona29.4 2.5 %22.4 2.4 %18.0 2.4 %
All others299.0 25.6 %230.6 24.7 %171.4 23.2 %
United States$1,125.0 96.0 %$909.0 97.8 %$729.1 98.7 %
Europe and UK
46.3 4.0 %20.0 2.2 %9.3 1.3 %
Total$1,171.3 100.0 %$929.0 100.0 %$738.4 100.0 %