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Segment Reporting and Disaggregated Revenue - Schedule of Disaggregation of Revenue (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Disaggregation of Revenue [Line Items]      
Total revenue from customer contracts $ 677,634 $ 548,631 $ 464,273
Earned premium, net 726,726 643,324 531,866
Net investment income 38,648 39,249 26,904
Net investment gains 3,064 2,223 0
Finance revenue 10,317 8,083 4,074
Total revenue 1,456,389 1,241,510 1,027,117
Insurance      
Disaggregation of Revenue [Line Items]      
Total revenue from customer contracts 568,752 502,165 440,262
Earned premium, net 726,726 643,324 531,866
Net investment income 37,739 38,357 26,904
Net investment gains 3,064 2,223  
Finance revenue 0 0 0
Total revenue 1,336,281 1,186,069 999,032
Marketplace      
Disaggregation of Revenue [Line Items]      
Total revenue from customer contracts 108,882 46,466 24,011
Earned premium, net 0 0 0
Net investment income 909 892 0
Net investment gains 0 0  
Finance revenue 10,317 8,083 4,074
Total revenue 120,108 55,441 28,085
U.S.      
Disaggregation of Revenue [Line Items]      
Total revenue from customer contracts 616,525 512,662 432,161
U.S. | Insurance      
Disaggregation of Revenue [Line Items]      
Total revenue from customer contracts 528,023 467,478 409,345
U.S. | Marketplace      
Disaggregation of Revenue [Line Items]      
Total revenue from customer contracts 88,502 45,184 22,816
International      
Disaggregation of Revenue [Line Items]      
Total revenue from customer contracts 61,109 35,969 32,112
International | Insurance      
Disaggregation of Revenue [Line Items]      
Total revenue from customer contracts 40,729 34,687 30,917
International | Marketplace      
Disaggregation of Revenue [Line Items]      
Total revenue from customer contracts $ 20,380 $ 1,282 $ 1,195