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Reinsurance (Tables)
 12 Months Ended
Dec. 31, 2024
Reinsurance Disclosures [Abstract]  
Schedule of Line of Business
Treaty Period
2025/2026 Treaty2024/2025 Treaty2023/2024 Treaty
Line of Business July 1,
2025
to
January 1,
2026		January 1,
2025
to
June 30,
2025		July 1,
2024
to
January 1,
2025		January 1,
2024
to
June 30,
2024		July 1,
2023
to
January 1,
2024		January 1,
2023
to
June 30,
2023
Personal Lines:
Homeowners, dwelling fire and canine legal liability
Quota share treaty:
Percent ceded (7)16 %16 %27 %27 %30 %30 %
Risk retained on initial
$1,000,000 of losses (5) (6) (7)$840,000 $840,000 $730,000 $730,000 $700,000 $700,000 
Losses per occurrence
subject to quota share
reinsurance coverage$1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 
Expiration dateJanuary 1, 2026January 1, 2026January 1, 2025January 1, 2025January 1, 2024January 1, 2024
Excess of loss coverage and
facultative facility
coverage (1) (5) (6)$400,000 $8,400,000 $8,400,000 $8,400,000 $8,400,000 $8,400,000 
in excess ofin excess ofin excess of in excess of in excess of in excess of
$600,000 $600,000 $600,000 $600,000 $600,000 $600,000 
Total reinsurance coverage
per occurrence (5) (6)$360,000 $8,360,000 $8,470,000 $8,470,000 $8,500,000 $8,500,000 
Losses per occurrence
subject to reinsurance
coverage (6)$1,000,000 $9,000,000 $9,000,000 $9,000,000 $9,000,000 $9,000,000 
Expiration date(6)June 30, 2025June 30, 2025June 30, 2024June 30, 2024June 30, 2023
Catastrophe Reinsurance:
Initial loss subject to personal
lines quota share treaty (6)$10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 $10,000,000 
Risk retained per catastrophe
occurrence (6) (7) (8) (9)(6)$4,250,000 $4,750,000 $9,500,000 $8,750,000 $8,750,000 
Catastrophe loss coverage
in excess of quota share
coverage (2) (6)(6)$275,000,000 $275,000,000 $315,000,000 $315,000,000 $335,000,000 
Reinstatement premium
protection (3) (4)(6)YesYesYes Yes Yes
(1)For personal lines, includes the addition of an automatic facultative facility allowing KICO to obtain homeowners single risk coverage up to $9,000,000 in total insured value, which covers direct losses from $3,500,000 to $9,000,000 through June 30, 2025.
(2)Catastrophe coverage is limited on an annual basis to two times the per occurrence amounts. Duration of 168 consecutive hours for a catastrophe occurrence from windstorm, hail, tornado, hurricane and cyclone.
(3)For the period July 1, 2022 through June 30, 2023, reinstatement premium protection for $12,500,000 of catastrophe coverage in excess of $10,000,000. For the period July 1, 2023 through June 30, 2024, reinstatement premium protection for $50,000,000 of catastrophe coverage in excess of $10,000,000.
(4)For the period July 1, 2024 through June 30, 2025 (expiration date of the catastrophe reinsurance treaty), reinstatement premium protection for $50,000,000 of catastrophe coverage in excess of $10,000,000.
(5)For the period January 1, 2022 through June 30, 2025, underlying excess of loss treaty provides 50% reinsurance coverage for losses of $400,000 in excess of $600,000. Excludes losses from named storms. Reduces retention to $500,000 from $700,000 under the 2023/2024 Treaty. Reduces retention to $530,000 from $730,000 under the 2024/2025 Treaty. Retention increases to $640,000 from $530,000 under the 2025/2026 Treaty.
(6)Excess of loss coverage and facultative facility and catastrophe reinsurance treaties will expire on June 30,2025, with none of these coverages to be in effect during the period from July 1 2025 through January 1, 2026. If and when these treaties are renewed on July 1, 2025, the excess of loss and facultative facility, and the catastrophe reinsurance treaty, will be as provided for therein. Reinsurance coverage in effect from July 1, 2025 through January 1, 2026 is currently only covered under the 2025/2026 Treaty and underlying excess of loss reinsurance treaty through June 30, 2025. The 2025/2026 Treaty will expire on January 1, 2026.
(7)For the 2023/2024 Treaty, 17.5% of the 30% total of losses ceded under this treaty are excluded from a named catastrophe event. For the 2024/2025 Treaty, 22% of the 27% total of losses ceded under this treaty are excluded from a named catastrophe event. For the 2025/2026 Treaty, 6% of the 16% total of losses ceded under this treaty are excluded from a named catastrophe event.
(8)Plus losses in excess of catastrophe coverage.
(9)For the period October 1, 2024 through April 30, 2025, additional catastrophe reinsurance treaty will provide coverage for winter storm losses to the extent of 71% of $4,500,000 in excess of $5,500,000. Retention for winter storms under this treaty is $4,800,000 under the 2024/2025 Treaty and $5,200,000 under the 2025/2026 Treaty.
 Treaty Year
Line of Business July 1, 2024
to
June 30, 2025		July 1, 2023
to
June 30, 2024		July 1, 2022
to
June 30, 2023
    
Personal Lines:   
Personal Umbrella   
Quota share treaty:   
Percent ceded - first $1,000,000 of coverage90 %90 %90 %
Percent ceded - excess of $1,000,000 dollars of coverage95 %95 %95 %
Risk retained$300,000 $300,000 $300,000 
Total reinsurance coverage per occurrence$4,700,000 $4,700,000 $4,700,000 
Losses per occurrence subject to quota share reinsurance coverage$5,000,000 $5,000,000 $5,000,000 
Expiration dateJune 30, 2025June 30, 2024June 30, 2023
Commercial Lines (1)
(1)Coverage on all commercial lines policies expired in September 2020; reinsurance coverage is based on treaties in effect on the date of loss.
Schedule of Approximate Reinsurance Recoverable
Approximate reinsurance recoverables on unpaid and paid losses by reinsurer at December 31, 2024 and 2023 are as follows:
($ in thousands) Unpaid
Losses 		Paid Losses Total Security  
December 31, 2024     
Swiss Reinsurance America Corporation13,565 1,346 14,911 — 
Hannover Rueck SE7,195 559 7,754 — 
Lancashire Insurance Company Limited4,893 1,288 6,181 — 
Others6,670 2,061 8,731 393 (2)
Total$32,323 $5,254 $37,577 $393 
      
December 31, 2023     
Swiss Reinsurance America Corporation11,027 6,560 17,587 — 
Hannover Rueck SE8,753 (92)8,661 — 
Allied World Insurance Company4,724 2,190 6,914 4 (1)
Ace Property and Casualty Insurance Company3,205 1,840 5,045 — 
Lancashire Insurance Company Limited3,203 1,583 4,786 — 
Others2,377 3,296 5,673 2,662 (2)
Total$33,289 $15,377 $48,666 $2,666 
(1)As of December 31, 2023, represents $4,000 guaranteed by irrevocable letters of credit.
(2)As of December 31, 2024 and December 31, 2023, represents $393,000 and $2,662,000, respectively, guaranteed by irrevocable letters of credit.
Schedule of Ceding Commissions Earned
Ceding commission revenue consists of the following:
 Year ended
December 31,
 20242023
   
Provisional ceding commissions earned$18,829,278 $20,397,454 
Contingent ceding commissions earned8,668 656,040 
 $18,837,946 $21,053,494