7. Reinsurance (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Personal Lines [Member]
Quota share treaty:
Percent ceded	55.00%	75.00%	75.00%
Risk retained	$ 360,000	$ 300,000	$ 250,000
Losses per occurrence subject to quota share reinsurance coverage	800,000	1,200,000	1,000,000
Excess of loss coverage above quota share coverage	3,200,000	1,700,000	1,900,000
Total	800,000	1,200,000	1,000,000
Total reinsurance coverage per occurrence	3,640,000	2,600,000	2,650,000
Losses per occurrence subject to reinsurance coverage	4,000,000	2,900,000	2,900,000
Expiration date	Jun. 30, 2015	Jun. 30, 2015	Jun. 30, 2013
Personal Umbrella [Member]
Quota share treaty:
Percent ceded - first million dollars of coverage	90.00%	90.00%	90.00%
Percent ceded - excess of one million dollars of coverage	100.00%	100.00%	100.00%
Risk retained	100,000	100,000	100,000
Losses per occurrence subject to quota share reinsurance coverage	3,000,000	2,000,000	2,000,000
Total reinsurance coverage per occurrence	2,900,000	1,900,000	1,900,000
Expiration date	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Commercial Lines [Member]
Quota share treaty:
Percent ceded	0.00%	25.00%	40.00%
Risk retained	400,000	300,000	300,000
Losses per occurrence subject to quota share reinsurance coverage		400,000	500,000
Excess of loss coverage above quota share coverage	3,600,000	2,500,000	2,400,000
Total	400,000	400,000	500,000
Total reinsurance coverage per occurrence	3,600,000	2,600,000	2,600,000
Losses per occurrence subject to reinsurance coverage	4,000,000	2,900,000	2,900,000
Commercial Automobile [Member]
Quota share treaty:
Risk retained	300,000	300,000	250,000
Excess of loss coverage above quota share coverage	1,700,000	1,700,000	1,750,000
Total	300,000	300,000	250,000
Catastrophe [Member]
Quota share treaty:
Initial loss subject to personal lines quota share treaty	4,000,000	4,000,000	3,000,000
Risk retained per catastrophe occurrence (1)	1,800,000	1,000,000	750,000
Catastrophe loss coverage in excess of quota share coverage (2) (3)	$ 137,000,000	$ 86,000,000	$ 70,000,000