v3.26.1
Segment Information - Summary of Revenue and Significant Expenses by Segment (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Segment Reporting [Line Items]        
Revenue $ 140,882 $ 126,077 $ 262,005 $ 230,822
Cost of revenue (53,302) (43,422) (83,577) (82,719)
Gross Profit 87,580 82,655 178,428 148,103
Selling and marketing (41,332) (33,640) (81,396) (63,156)
Product and technology (14,676) (13,076) (27,707) (26,277)
General and administrative (35,685) (30,890) (61,623) (54,887)
Income tax benefit (expense) (585) 1,087 (2,390) 184
Net income (loss) (14,150) 8,247 (12,214) 11,983
Other segment disclosures        
Total stock-based compensation expense 7,862 8,000 15,145 12,910
Depreciation and amortization 9,504 4,461 13,619 9,485
Interest expense 14,775 12,056 29,381 23,302
Insurance Services        
Segment Reporting [Line Items]        
Revenue 10,028 6,748 18,335 11,202
Software & Data        
Segment Reporting [Line Items]        
Revenue 20,757 21,978 40,383 41,997
Consumer Services        
Segment Reporting [Line Items]        
Revenue 18,130 17,650 33,271 32,371
Reciprocal Segment        
Segment Reporting [Line Items]        
Revenue 91,967 79,701 170,016 145,252
Operating Segments        
Segment Reporting [Line Items]        
Revenue 193,766 164,462 356,793 290,926
Gross Profit 136,591 122,780 266,370 207,518
Adjusted EBITDA (Loss) 44,024 32,824 82,729 57,875
Other segment disclosures        
Total stock-based compensation expense 47 62 89 96
Depreciation and amortization 1,900 1,992 3,812 4,112
Interest expense 194 30 198 81
Operating Segments | Insurance Services        
Segment Reporting [Line Items]        
Revenue 92,925 67,390 167,596 117,196
Cost of revenue (11,736) (9,526) (22,623) (17,007)
Gross Profit 81,189 57,864 144,973 100,189
Selling and marketing (37,358) (36,936) (72,939) (51,997)
Product and technology (1,186) (2,354) (3,783) (4,667)
General and administrative (3,317) (4,414) (6,942) (8,568)
Interest income on intercompany surplus notes 3,527 3,890 7,027 7,564
Other segment items (10,192) (7,919) (19,069) (14,062)
Adjusted EBITDA (Loss) 44,399 19,657 71,890 45,466
Other segment disclosures        
Total stock-based compensation expense 30 44 53 62
Depreciation and amortization 20 0 39 0
Operating Segments | Software & Data        
Segment Reporting [Line Items]        
Revenue 23,087 24,013 45,019 46,012
Cost of revenue (5,663) (5,846) (11,067) (11,352)
Gross Profit 17,424 18,167 33,952 34,660
Selling and marketing (7,643) (8,109) (15,414) (16,002)
Product and technology (4,868) (4,304) (9,406) (8,332)
General and administrative (1,413) (2,038) (2,777) (3,987)
Interest income on intercompany surplus notes 0 0 0 0
Other segment items (3,953) (4,020) (7,644) (7,578)
Adjusted EBITDA (Loss) 5,210 5,542 9,778 10,113
Other segment disclosures        
Total stock-based compensation expense 14 16 28 30
Depreciation and amortization 1,695 1,810 3,395 3,744
Operating Segments | Consumer Services        
Segment Reporting [Line Items]        
Revenue 18,130 17,650 33,271 32,371
Cost of revenue (2,849) (2,414) (4,821) (4,904)
Gross Profit 15,281 15,236 28,450 27,467
Selling and marketing (9,827) (10,151) (19,784) (19,630)
Product and technology (584) (978) (1,121) (2,025)
General and administrative (1,811) (2,334) (4,690) (4,897)
Interest income on intercompany surplus notes 0 0 0 0
Other segment items (2,661) (2,230) (4,435) (4,532)
Adjusted EBITDA (Loss) 3,247 1,957 3,241 1,287
Other segment disclosures        
Total stock-based compensation expense 3 2 8 4
Depreciation and amortization 185 182 378 368
Operating Segments | Reciprocal Segment        
Segment Reporting [Line Items]        
Revenue 59,624 55,409 110,907 95,347
Cost of revenue (36,927) (23,896) (51,912) (50,145)
Gross Profit 22,697 31,513 58,995 45,202
Selling and marketing (9,757) (3,635) (16,826) (11,046)
Product and technology (3,038) (558) (3,803) (1,693)
General and administrative (27,316) (19,854) (46,404) (27,457)
Interest income on intercompany surplus notes (3,527) (3,890) (7,027) (7,564)
Income tax benefit (expense) (1,281) (99) (3,049) (988)
Other segment items 13,390 2,191 15,934 4,555
Net income (loss) (8,832) 5,668 (2,180) 1,009
Adjusted EBITDA (Loss) (8,832) 5,668 (2,180) 1,009
Other segment disclosures        
Interest expense 194 30 198 81
Intersegment Revenues        
Segment Reporting [Line Items]        
Revenue 52,884 38,385 94,788 60,104
Intersegment Revenues | Insurance Services        
Segment Reporting [Line Items]        
Revenue 82,897 60,642 149,261 105,994
Intersegment Revenues | Software & Data        
Segment Reporting [Line Items]        
Revenue 2,330 2,035 4,636 4,015
Intersegment Revenues | Consumer Services        
Segment Reporting [Line Items]        
Revenue 0 0 0 0
Intersegment Revenues | Reciprocal Segment        
Segment Reporting [Line Items]        
Revenue (32,343) (24,292) (59,109) (49,905)
Adjustments        
Other segment disclosures        
Total stock-based compensation expense 7,815 7,938 15,056 12,814
Depreciation and amortization 7,604 2,469 9,807 5,373
Interest expense $ 14,581 $ 12,026 $ 29,183 $ 23,221