5. Fair Value of Financial Instruments (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Reinsurance balances payable	$ 3,217,230	$ 1,820,527
Carrying Value
Fixed-maturity investments held to maturity	1,448,798	606,281
Cash and cash equivalents	4,186,660	2,240,012
Premiums receivable	8,202,728	7,766,825
Reinsurance receivables	36,124,555	38,902,782
Real estate net of accumulated depreciation	1,789,737	1,696,924
Reinsurance balances payable	3,217,230	1,820,527
Advance payments from catastrophe reinsurers		7,358,391
Notes payable (including related parties)	957,000	1,197,000
Fair Value
Fixed-maturity investments held to maturity	1,524,516	779,026
Cash and cash equivalents	4,186,660	2,240,012
Premiums receivable	8,202,728	7,766,825
Reinsurance receivables	36,124,555	38,902,782
Real estate net of accumulated depreciation	1,816,122	1,720,000
Reinsurance balances payable	3,217,230	1,820,527
Advance payments from catastrophe reinsurers		7,358,391
Notes payable (including related parties)	$ 957,000	$ 1,197,000