5. Fair Value of Financial Instruments (Details) (USD $)	Dec. 31, 2012	Dec. 31, 2011
Reinsurance receivables	$ 5,792,000	$ 1,617,000
Reinsurance balances payable	1,820,527	2,761,828
Advance payments from catastrophe reinsurers	7,358,391
Carrying Value
Fixed-maturity investments held to maturity	606,281	606,234
Cash and cash equivalents	2,240,012	173,126
Premiums receivable	7,766,825	5,779,085
Receivables - reinsurance contracts		1,734,535
Reinsurance receivables	38,902,782	23,880,814
Notes receivable-sale of business	323,141	393,511
Real estate net of accumulated depreciation	1,696,924	1,477,639
Reinsurance balances payable	1,820,527	2,761,828
Advance payments from catastrophe reinsurers	7,358,391
Notes payable (including related parties)	1,197,000	1,047,000
Fair Value
Fixed-maturity investments held to maturity	779,026	777,953
Cash and cash equivalents	2,240,012	173,126
Premiums receivable	7,766,825	5,779,085
Receivables - reinsurance contracts		1,734,535
Reinsurance receivables	38,902,782	23,880,814
Notes receivable-sale of business	323,141	393,511
Real estate net of accumulated depreciation	1,720,000	1,510,000
Reinsurance balances payable	1,820,527	2,761,828
Advance payments from catastrophe reinsurers	7,358,391
Notes payable (including related parties)	$ 1,197,000	$ 1,047,000