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Reserve for Losses and Loss Adjustment Expenses - Reconciliation of Reserve Balances for Losses and Loss Adjustment Expense (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Dec. 31, 2024
Dec. 31, 2023
Reconciliation of the beginning and ending reserve balances for losses and loss adjustment expenses (LAE)            
Reserve for losses and LAE at beginning of period     $ 328,866 $ 260,095    
Less: Reinsurance recoverables $ 48,056 $ 30,966 48,056 30,966 $ 36,754 $ 24,104
Net reserve for losses and LAE at beginning of period     292,112 235,991    
Add provision for losses and LAE, net of reinsurance, occurring in:            
Current period     159,447 124,180    
Prior years     (66,183) (83,935)    
Net incurred losses and LAE during the current period 44,922 30,666 93,264 40,245    
Deduct payments for losses and LAE, net of reinsurance, occurring in:            
Current period     918 1,824    
Prior years     35,376 17,062    
Net loss and LAE payments during the current period     36,294 18,886    
Net reserve for losses and LAE at end of period 349,082 257,350 349,082 257,350    
Plus: Reinsurance recoverables 48,056 30,966 48,056 30,966 $ 36,754 $ 24,104
Reserve for losses and LAE at end of period $ 397,138 $ 288,316 $ 397,138 $ 288,316