7. Reinsurance (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Personal Lines [Member]
Quota share treaty:
Percent ceded	40.00%	55.00%	75.00%
Risk retained	$ 450,000	$ 360,000	$ 300,000
Losses per occurrence subject to quota share reinsurance coverage	750,000	800,000	1,200,000
Excess of loss coverage above quota share coverage	3,750,000	3,200,000	1,700,000
Total	750,000	800,000	1,200,000
Total reinsurance coverage per occurrence	4,050,000	3,640,000	2,600,000
Losses per occurrence subject to reinsurance coverage	$ 4,500,000	$ 4,000,000	$ 2,900,000
Expiration date	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2015
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	3,000,000	2,000,000
Total reinsurance coverage per occurrence	$ 2,900,000	$ 2,900,000	$ 1,900,000
Expiration date	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2014
Commercial Lines [Member]
Quota share treaty:
Percent ceded	0.00%	0.00%	25.00%
Risk retained	$ 425,000	$ 400,000	$ 300,000
Losses per occurrence subject to quota share reinsurance coverage	0	0	400,000
Excess of loss coverage above quota share coverage	4,075,000	3,600,000	2,500,000
Total	425,000	400,000	400,000
Total reinsurance coverage per occurrence	4,075,000	3,600,000	2,600,000
Losses per occurrence subject to reinsurance coverage	4,500,000	4,000,000	2,900,000
Commercial Auto [Member]
Quota share treaty:
Risk retained	300,000	300,000	300,000
Excess of loss coverage above quota share coverage	1,700,000	1,700,000	1,700,000
Total	300,000	300,000	300,000
Catastrophe [Member]
Quota share treaty:
Initial loss subject to personal lines quota share treaty	4,000,000	4,000,000	4,000,000
Risk retained per catastrophe occurrence (1)	2,400,000	1,800,000	1,000,000
Catastrophe loss coverage in excess of quota share coverage (2) (3)	$ 176,000,000	$ 137,000,000	$ 86,000,000
Severe winter weather aggregate	Yes	Yes	No
Reinstatement premium protection	Yes	No	No