Underwriting Information (Tables)

9 Months Ended

12 Months Ended

Sep. 30, 2019

Dec. 31, 2018

Underwriting Information

Schedule of gross written premiums

Gross written premiums (GWP) by product are presented below:

	Three Months Ended September 30,								Nine Months Ended September 30,
	2019				2018				2019				2018
	($ in thousands)								($ in thousands)
			% of				% of				% of				% of
	Amount		GWP		Amount		GWP		Amount		GWP		Amount		GWP
Product
Residential Earthquake	$	35,711	53.9	%	$	21,483	53.7	%	$	95,005	53.2	%	$	58,106	52.2	%
Specialty Homeowners		8,572	12.9	%		7,116	17.8	%		24,994	14.0	%		21,331	13.4	%
Commercial Earthquake		8,402	12.7	%		4,856	12.1	%		23,020	12.9	%		14,936	19.1	%
Commercial All Risk		7,077	10.7	%		3,392	8.5	%		21,929	12.3	%		9,442	8.5	%
Hawaii Hurricane		3,299	5.0	%		2,614	6.5	%		8,048	4.5	%		6,130	5.5	%
Flood		1,450	2.2	%		533	1.4	%		3,494	2.0	%		1,403	1.3	%
Other		1,731	2.6	%		—	—	%		2,129	1.1	%		—	—	%
Total Gross Written Premiums	$	66,242	100.0	%	$	39,994	100.0	%	$	178,619	100.0	%	$	111,348	100.0	%

Gross written premiums by state are as follows:

	Three Months Ended September 30,								Nine Months Ended September 30,
	2019				2018				2019				2018
	($ in thousands)								($ in thousands)
			% of				% of				% of				% of
	Amount		GWP		Amount		GWP		Amount		GWP		Amount		GWP
State
California	$	36,789	55.5	%	$	20,785	52.0	%	$	99,543	55.7	%	$	58,211	52.2	%
Texas		11,239	17.0	%		8,318	20.8	%		32,678	18.3	%		24,164	21.7	%
Hawaii		3,675	5.5	%		2,614	6.5	%		8,688	4.9	%		6,130	5.5	%
Washington		2,910	4.4	%		1,731	4.3	%		6,430	3.6	%		3,798	3.4	%
Oregon		2,153	3.3	%		1,506	3.8	%		5,279	3.0	%		3,901	3.5	%
Mississippi		1,315	2.0	%		629	1.6	%		3,383	1.9	%		1,766	1.6	%
Illinois		1,269	1.9	%		1,104	2.8	%		3,524	2.0	%		3,285	3.0	%
South Carolina		1,258	1.9	%		690	1.7	%		4,614	2.5	%		2,336	2.1	%
Other		5,634	8.5	%		2,617	6.5	%		14,480	8.1	%		7,757	7.0	%
Total Gross Written Premiums	$	66,242	100.0	%	$	39,994	100.0	%	$	178,619	100.0	%	$	111,348	100.0	%

Gross written premiums (GWP) by product are presented below:

	Years ended December 31,
	2018				2017				2016
	($ in thousands)
	Amount		% of GWP		Amount		% of GWP		Amount		% of GWP
Product
Residential Earthquake	$	81,679	52.7	%	$	57,328	47.7	%	$	32,662	39.7	%
Specialty Homeowners		27,680	17.9	%		26,516	22.0	%		24,389	29.6	%
Commercial Earthquake		20,946	13.5	%		23,079	19.2	%		20,580	25.0	%
Commercial All Risk		14,338	9.3	%		7,321	6.1	%		1,784	2.2	%
Hawaii Hurricane		8,128	5.2	%		5,323	4.4	%		2,872	3.5	%
Flood		2,120	1.4	%		667	0.6	%		—	—
Total Gross Written Premium	$	154,891	100	%	$	120,234	100	%	$	82,287	100	%

Gross Written premiums by state are as follows:

	Years ended December 31,
	2018				2017				2016
	Amount		% of GWP		Amount		% of GWP		Amount		% GWP
	($ in thousands)
State
California	$	82,119	53.0	%	$	64,231	53.4	%	$	44,999	54.7	%
Texas		32,568	21.0	%		29,273	24.4	%		25,286	30.7	%
Hawaii		8,128	5.2	%		5,323	4.4	%		2,872	3.5	%
Illinois		4,403	2.8	%		4,854	4.0	%		332	0.4	%
Oregon		5,286	3.4	%		4,250	3.6	%		3,278	4.0	%
Washington		5,658	3.7	%		2,803	2.3	%		1,513	1.8	%
South Carolina		3,208	2.1	%		1,706	1.4	%		674	0.8	%
Oklahoma		1,261	0.8	%		1,302	1.1	%		1,030	1.3	%
All Other States		12,260	8.0	%		6,492	5.4	%		2,303	2.8	%
	$	154,891	100	%	$	120,234	100	%	$	82,287	100	%