v3.26.1
Reinsurance - Narrative (Details)
$ in Thousands
3 Months Ended 6 Months Ended
Oct. 26, 2021
USD ($)
Jun. 30, 2026
USD ($)
reinsuranceAgreement
quota_share_agreement
Jun. 30, 2025
USD ($)
Jun. 30, 2026
USD ($)
reinsuranceAgreement
quota_share_agreement
Jun. 30, 2025
USD ($)
Dec. 31, 2025
USD ($)
Dec. 31, 2024
USD ($)
Ceded Credit Risk [Line Items]              
Number of quota share reinsurance treaties | quota_share_agreement   9   9      
Reinsurance recoverable on unpaid claims   $ 40,434 $ 32,705 $ 40,434 $ 32,705 $ 38,577 $ 32,260
Number of excess-of-loss reinsurance agreements | reinsuranceAgreement   9   9      
Reinsurance coverage amount   $ 11,200 10,400 $ 22,200 20,500    
Reinsurance coverage amount amortized (in percent)   10.00%   10.00%      
2026-3 XOL Transaction              
Ceded Credit Risk [Line Items]              
Reinsurance retention policy excess of loss reinsurance coverages       $ 160,000      
2027 XOL Transaction              
Ceded Credit Risk [Line Items]              
Reinsurance retention policy excess of loss reinsurance coverages       $ 125,000      
Minimum              
Ceded Credit Risk [Line Items]              
Reinsurance coverage, term of underlying mortgage amortization (in years)       10 years      
Maximum              
Ceded Credit Risk [Line Items]              
Reinsurance coverage, term of underlying mortgage amortization (in years)       12 years 6 months      
Reinsurance Policy, Type [Axis]: 2022-1 XOL Transaction              
Ceded Credit Risk [Line Items]              
Initial First Layer Retained Loss   $ 133,366   $ 133,366      
Initial Reinsurance Coverage   289,741   289,741      
Current Reinsurance Coverage   125,849   125,849      
Current First Layer Retained Loss   127,071   127,071      
Reinsurance Policy, Type [Axis]: 2022-2 XOL Transaction              
Ceded Credit Risk [Line Items]              
Initial First Layer Retained Loss   78,906   78,906      
Initial Reinsurance Coverage   154,306   154,306      
Current Reinsurance Coverage   102,346   102,346      
Current First Layer Retained Loss   70,282   70,282      
Reinsurance Policy, Type [Axis]: 2022-3 XOL Transaction              
Ceded Credit Risk [Line Items]              
Initial First Layer Retained Loss   106,265   106,265      
Initial Reinsurance Coverage   96,779   96,779      
Current Reinsurance Coverage   67,726   67,726      
Current First Layer Retained Loss   98,355   98,355      
Reinsurance Policy, Type [Axis]: 2023-1 XOL Transaction              
Ceded Credit Risk [Line Items]              
Initial First Layer Retained Loss   146,513   146,513      
Initial Reinsurance Coverage   89,864   89,864      
Current Reinsurance Coverage   53,594   53,594      
Current First Layer Retained Loss   139,186   139,186      
Reinsurance Policy, Type [Axis]: 2023-2 XOL Transaction              
Ceded Credit Risk [Line Items]              
Initial First Layer Retained Loss   136,875   136,875      
Initial Reinsurance Coverage   100,777   100,777      
Current Reinsurance Coverage   52,089   52,089      
Current First Layer Retained Loss   133,319   133,319      
Reinsurance Policy, Type [Axis]: 2024 XOL Transaction              
Ceded Credit Risk [Line Items]              
Initial First Layer Retained Loss   312,172   312,172      
Initial Reinsurance Coverage   162,500   162,500      
Current Reinsurance Coverage   127,186   127,186      
Current First Layer Retained Loss   309,628   309,628      
Reinsurance Policy, Type [Axis]: 2025 XOL Transaction              
Ceded Credit Risk [Line Items]              
Initial First Layer Retained Loss   321,331   321,331      
Initial Reinsurance Coverage   283,849   283,849      
Current Reinsurance Coverage   265,838   265,838      
Current First Layer Retained Loss   321,279   321,279      
Reinsurance Policy, Type [Axis]: 2026-1 XOL Transaction              
Ceded Credit Risk [Line Items]              
Initial First Layer Retained Loss   183,282   183,282      
Initial Reinsurance Coverage   98,359   98,359      
Current Reinsurance Coverage   98,359   98,359      
Current First Layer Retained Loss   183,282   183,282      
Reinsurance Policy, Type [Axis]: 2026-2 XOL Transaction              
Ceded Credit Risk [Line Items]              
Initial First Layer Retained Loss   17,042   17,042      
Initial Reinsurance Coverage   148,109   148,109      
Current Reinsurance Coverage   140,691   140,691      
Current First Layer Retained Loss   17,042   17,042      
Reinsurance Policy, Type [Axis]: Oaktown Re              
Ceded Credit Risk [Line Items]              
Reinsurance coverage, term of underlying mortgage amortization (in years) 12 years 6 months            
Initial First Layer Retained Loss $ 146,200            
Initial Reinsurance Coverage $ 363,600            
Current Reinsurance Coverage   149,000   149,000      
Current First Layer Retained Loss   142,500   142,500      
Reinsurance Policy, Type [Axis]: QSR Transactions              
Ceded Credit Risk [Line Items]              
Reinsurance recoverable on unpaid claims   40,400   $ 40,400   $ 38,600  
Third-party Reinsurers | Reinsurance Policy, Type [Axis]: 2018 QSR Transaction, Period 1              
Ceded Credit Risk [Line Items]              
Premiums earned, percent of risk       16.00%      
Third-party Reinsurers | Reinsurance Policy, Type [Axis]: 2018 QSR Transaction, Period 2              
Ceded Credit Risk [Line Items]              
Premiums earned, percent of risk       13.00%      
Third-party Reinsurers | Reinsurance Policy, Type [Axis]: 2020 QSR Transaction              
Ceded Credit Risk [Line Items]              
Premiums earned, percent of risk       21.00%      
Third-party Reinsurers | Reinsurance Policy, Type [Axis]: 2021 QSR Transaction              
Ceded Credit Risk [Line Items]              
Premiums earned, percent of risk       20.00%      
Third-party Reinsurers | Reinsurance Policy, Type [Axis]: 2022 QSR Transaction              
Ceded Credit Risk [Line Items]              
Premiums earned, percent of risk       20.00%      
Third-party Reinsurers | Reinsurance Policy, Type [Axis]: 2022 Seasoned QSR Transaction              
Ceded Credit Risk [Line Items]              
Premiums earned, percent of risk       48.00%      
Third-party Reinsurers | Reinsurance Policy, Type [Axis]: 2023 QSR Transaction              
Ceded Credit Risk [Line Items]              
Premiums earned, percent of risk       20.00%      
Third-party Reinsurers | Reinsurance Policy, Type [Axis]: 2024 QSR Transaction              
Ceded Credit Risk [Line Items]              
Premiums earned, percent of risk       20.00%      
Third-party Reinsurers | Reinsurance Policy, Type [Axis]: 2025 QSR Transaction              
Ceded Credit Risk [Line Items]              
Premiums earned, percent of risk       20.00%      
Third-party Reinsurers | Reinsurance Policy, Type [Axis]: 2026 QSR Transactions              
Ceded Credit Risk [Line Items]              
Premiums earned, percent of risk       25.00%      
Third-party Reinsurers | Reinsurance Policy, Type [Axis]: 2027 QSR Transactions              
Ceded Credit Risk [Line Items]              
Premiums earned, percent of risk       35.00%      
Third-party Reinsurers | Reinsurance Policy, Type [Axis]: 2028 QSR Transactions              
Ceded Credit Risk [Line Items]              
Premiums earned, percent of risk       25.00%      
Third-party Reinsurers | Reinsurance Policy, Type [Axis]: Oaktown Re              
Ceded Credit Risk [Line Items]              
Risk premiums paid   $ 1,500 $ 3,200 $ 3,900 $ 6,600    
Third-party Reinsurers | Reinsurance Policy, Type [Axis]: Oaktown Re | Maximum              
Ceded Credit Risk [Line Items]              
Anticipated payment related to annual operating expenses       $ 250