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Reinsurance for the Reciprocal (Tables)
 6 Months Ended
Jun. 30, 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 and six months ended June 30, 2025 and 2024, were as follows:
Three Months Ended June 30,
20252024
WrittenEarnedWrittenEarned
Direct premiums$95,779$100,184$109,716$102,345
Ceded premiums20,378 (21,229)(59,857)(40,518)
Net premiums$116,157$78,955$49,859$61,827
Six Months Ended June 30,
20252024
WrittenEarnedWrittenEarned
Direct premiums$171,275 $202,564 $184,820$210,933
Ceded premiums$(11,263)$(60,295)(90,186)(76,881)
Net premiums$160,012 $142,269 $94,634$134,052
The effects of reinsurance on incurred losses and loss adjustment expense (“LAE”) for the three and six months ended June 30, 2025 and 2024, were as follows:
Three Months Ended June 30,Six Months Ended June 30,
2025202420252024
Direct losses and LAE$39,664 $110,210 $84,356 $189,626 
Ceded losses and LAE(7,072)(26,060)(22,629)(36,543)
Net losses and LAE$32,592 $84,150 $61,727 $153,083 
Schedule of Reinsurance Balances Due
The detail of reinsurance balances due is as follows:
June 30,
2025		December 31,
2024
Ceded unearned premium$16,112 $64,571 
Losses and LAE reserve17,881 19,793 
Reinsurance recoverable9,595 7,111 
Other1,955 828 
Reinsurance balance due$45,543 $92,303