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Reinsurance for the Reciprocal (Tables)
 3 Months Ended
Mar. 31, 2025
Reinsurance Disclosures [Abstract]  
Schedule of Effects of Reinsurance on Premiums Written, Earned, Incurred Losses and LAE
The effects of reinsurance on premiums written by the Reciprocal and earned for the three months ended March 31, 2025 and 2024, were as follows:
Three Months Ended March 31,
20252024
WrittenEarnedWrittenEarned
Direct premiums$75,496$102,380$75,104$108,588
Ceded premiums(31,641)(39,066)(30,329)(36,363)
Net premiums$43,855$63,314$44,775$72,225
The effects of reinsurance on incurred losses and loss adjustment expense (“LAE”) for the three months ended March 31, 2025 and 2024, were as follows:
Three Months Ended March 31,
20252024
Direct losses and LAE$44,692 $79,416 
Ceded losses and LAE(15,557)(10,483)
Net losses and LAE$29,135 $68,933 
Schedule of Reinsurance Balances Due
The detail of reinsurance balances due is as follows:
March 31,
2025		December 31,
2024
Ceded unearned premium$62,697 $64,571 
Losses and LAE reserve24,076 19,793 
Reinsurance recoverable7,208 7,111 
Other404 828 
Reinsurance balance due$94,385 $92,303