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Segment Information (Tables) | 12 Months Ended
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Dec. 31, 2025
Segment Reporting [Abstract] |
Schedule of segment reporting information | The operating results of the personal property and casualty insurance reportable segment is presented in the following table below ($ in millions):
|  | Years ended December 31,
|  | 2025 |  | 2024 |  | 2023
Total revenue |  | $ | 737.9 |  |  | $ | 526.5 |  |  | $ | 429.8 |
less: Loss and loss adjustment expenses, net |  | 347.0 |  |  | 277.0 |  |  | 280.4 |
Other insurance expense |  | 93.7 |  |  | 76.8 |  |  | 59.2 |
Sales and marketing |  | 37.1 |  |  | 44.8 |  |  | 46.7 |
Advertising expenses |  | 187.3 |  |  | 121.5 |  |  | 55.2 |
Technology development |  | 93.9 |  |  | 85.8 |  |  | 88.8 |
General and administrative |  | 122.3 |  |  | 98.0 |  |  | 102.2 |
Interest expense |  | 17.3 |  |  | 6.2 |  |  | 0.4 |
Depreciation and amortization |  | 15.2 |  |  | 20.0 |  |  | 20.0 |
Other expenses (1)(2)(3) |  | (15.0) |  |  | 0.3 |  |  | 6.7 |
Income tax (benefit) expense |  | 4.6 |  |  | (1.7) |  |  | 7.1 |
Segment / Consolidated Net loss |  | $ | (165.5) |  |  | $ | (202.2) |  |  | $ | (236.9) |
(1) Includes $11.7 million of tax refund under the Employee Retention Credit Program (Note 17), $2.3 million of gain from early lease termination (Note 21) and $1.0 million recovery related to a liability claim exposure (Note 20) for the year ended December 31, 2025. (2) Includes asset impairment charge of $0.3 million related to the New York office sublease (Note 21) for the year ended December 31, 2024. (3) Includes asset impairment charge of $3.7 million related to the San Francisco office sublease (Note 21) and $3.0 million accrual for a potential liability claim related to Metromile (Note 20) for the year ended December 31, 2023.
Schedule of Gross written premium by state | Gross written premium by location is as follows ($ in millions):
| Years ended December 31,
| 2025 |  | 2024 |  | 2023
Location | Amount |  | % of GWP |  | Amount |  | % of GWP |  | Amount |  | % of GWP
California | $ | 256.8 |  |  | 21.9 | % |  | $ | 225.6 |  |  | 24.3 | % |  | $ | 191.6 |  |  | 25.9 | %
Texas | 148.8 |  |  | 12.7 | % |  | 133.7 |  |  | 14.4 | % |  | 117.5 |  |  | 15.9 | %
New York | 116.4 |  |  | 9.9 | % |  | 96.3 |  |  | 10.4 | % |  | 80.8 |  |  | 10.9 | %
Washington | 60.2 |  |  | 5.1 | % |  | 38.9 |  |  | 4.2 | % |  | 25.9 |  |  | 3.5 | %
Illinois | 54.0 |  |  | 4.6 | % |  | 43.7 |  |  | 4.7 | % |  | 35.3 |  |  | 4.8 | %
New Jersey | 52.7 |  |  | 4.5 | % |  | 44.3 |  |  | 4.8 | % |  | 37.6 |  |  | 5.1 | %
Colorado | 40.9 |  |  | 3.5 | % |  | 29.2 |  |  | 3.1 | % |  | 22.0 |  |  | 3.0 | %
Florida | 33.8 |  |  | 2.9 | % |  | 19.4 |  |  | 2.1 | % |  | 9.3 |  |  | 1.3 | %
Pennsylvania | 33.0 |  |  | 2.8 | % |  | 24.9 |  |  | 2.7 | % |  | 19.7 |  |  | 2.7 | %
Arizona | 29.4 |  |  | 2.5 | % |  | 22.4 |  |  | 2.4 | % |  | 18.0 |  |  | 2.4 | %
All others | 299.0 |  |  | 25.6 | % |  | 230.6 |  |  | 24.7 | % |  | 171.4 |  |  | 23.2 | %
United States | $ | 1,125.0 |  |  | 96.0 | % |  | $ | 909.0 |  |  | 97.8 | % |  | $ | 729.1 |  |  | 98.7 | %
Europe and UK | 46.3 |  |  | 4.0 | % |  | 20.0 |  |  | 2.2 | % |  | 9.3 |  |  | 1.3 | %
Total | $ | 1,171.3 |  |  | 100.0 | % |  | $ | 929.0 |  |  | 100.0 | % |  | $ | 738.4 |  |  | 100.0 | %

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