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Reinsurance (Tables)
 12 Months Ended
Dec. 31, 2024
Reinsurance Disclosures [Abstract]  
Schedule of Effects of Reinsurance on Premiums Written, Earned, Incurred Losses and LAE
The effects of reinsurance on premiums written and earned were as follows:
Year Ended December 31,
202420232022
WrittenEarnedWrittenEarnedWrittenEarned
Direct premiums$418,544 $417,680 $445,587$462,434$462,179$395,968
Ceded premiums(184,888)(165,062)(76,643)(235,171)(399,400)(349,952)
Net premiums$233,656 $252,618 $368,944$227,263$62,779$46,016
The effects of reinsurance on incurred losses and LAE were as follows:
Year Ended December 31,
202420232022
Direct losses and LAE$260,383 $300,960 $280,505 
Ceded losses and LAE(64,476)(117,455)(224,202)
Net losses and LAE$195,907 $183,505 $56,303 
Schedule of Reinsurance Balances Due
The detail of reinsurance balances due is as follows:
December 31,
20242023
Ceded unearned premium$64,571 $50,697 
Losses and LAE reserve19,793 19,911 
Reinsurance recoverable7,111 12,629 
Other828 345 
Reinsurance balance due$92,303 $83,582