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Segment Information (Tables) | 6 Months Ended
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Jun. 30, 2026
Segment Reporting [Abstract] |
Schedule of Financial Information of Reportable Segments and Reconciliations to Consolidated Financial Information | The following tables present revenue and significant expenses by segment that are regularly provided to the CODM. Other segment items that the CODM does not consider in assessing segment performance are presented to reconcile to each segment’s measure of profit or loss. The accounting policies of the segments are the same as those described in Note 1, Description of Business and Summary of Significant Accounting Policies. In particular, see the Insurance Services section of the Revenue Recognition accounting policy disclosure for further discussion of intercompany revenue generated by management fees and reinsurance premiums. We account for intersegment sales as if the sales were to third parties, that is, at current market prices.
|  | Three Months Ended June 30, 2026
|  | Insurance Services |  | Software & Data |  | Consumer Services |  | Reciprocal Segment |  | Total
Revenue from external customers |  | $ | 10,028 |  |  | $ | 20,757 |  |  | $ | 18,130 |  |  | $ | 91,967 |  |  | 140,882 |
Intersegment revenue |  | 82,897 |  |  | 2,330 |  |  | — |  |  | (32,343) |  |  | 52,884 |
Segment revenue |  | $ | 92,925 |  |  | $ | 23,087 |  |  | $ | 18,130 |  |  | $ | 59,624 |  |  | $ | 193,766 |
Elimination of intersegment revenue |  |  |  |  |  |  |  |  |  | (52,884) |
Total consolidated revenue |  |  |  |  |  |  |  |  |  | $ | 140,882 |
Less: | (1) |  |  |  |  |  |  |  |  |
Cost of revenue |  | (11,736) |  |  | (5,663) |  |  | (2,849) |  |  | (36,927) |  |  |
Segment Gross Profit |  | $ | 81,189 |  |  | $ | 17,424 |  |  | $ | 15,281 |  |  | $ | 22,697 |  |  | $ | 136,591 |
Add (Subtract): | (1) |  |  |  |  |  |  |  |  |
Selling and marketing |  |  |  |  |  |  |  | (9,757) |  |  |
Product and technology |  |  |  |  |  |  |  | (3,038) |  |  |
General and administrative |  |  |  |  |  |  |  | (27,316) |  |  |
Interest expense on intercompany surplus notes |  |  |  |  |  |  |  | (3,527) |  |  |
Income tax benefit (expense) |  |  |  |  |  |  |  | (1,281) |  |  |
Other segment items | (2) |  |  |  |  |  |  | 13,390 |  |  |
Segment Net Income |  |  |  |  |  |  |  | $ | (8,832) |  |  |
Segment revenue |  | $ | 92,925 |  |  | $ | 23,087 |  |  | $ | 18,130 |  |  |  |  |
Add (Subtract): | (1) |  |  |  |  |  |  |  |  |
Selling and marketing (excluding depreciation, amortization, and stock-based compensation expense) |  | (37,358) |  |  | (7,643) |  |  | (9,827) |  |  |  |  |
Product and technology (excluding depreciation, amortization, impairments, and stock-based compensation expense) |  | (1,186) |  |  | (4,868) |  |  | (584) |  |  |  |  |
General and administrative (excluding depreciation, amortization, impairments, stock-based compensation expense, mark-to-market gains or losses, restructuring & other costs, and acquisition & other transaction costs) |  | (3,317) |  |  | (1,413) |  |  | (1,811) |  |  |  |  |
Interest income on intercompany surplus notes |  | 3,527 |  |  | — |  |  | — |  |  |  |  |
Other segment items | (2) | (10,192) |  |  | (3,953) |  |  | (2,661) |  |  |  |  |
Segment Adjusted EBITDA |  | $ | 44,399 |  |  | $ | 5,210 |  |  | $ | 3,247 |  |  |  |  |
Additional measure of segment profit (loss) |  | $ | 44,399 |  |  | $ | 5,210 |  |  | $ | 3,247 |  |  | $ | (8,832) |  |  | $ | 44,024 |
Other segment disclosures |  |  |  |  |  |  |  |  |  |
Stock-based compensation expense | (3) | $ | 30 |  |  | $ | 14 |  |  | $ | 3 |  |  |  |  | $ | 47 |
Depreciation and amortization | (3) | 20 |  |  | 1,695 |  |  | 185 |  |  |  |  | 1,900 |
Other interest expense |  |  |  |  |  |  |  | 194 |  |  | 194 |
______________________________________ (1)The significant expense categories and amounts align with the segment-level information that is regularly provided to the CODM. Intersegment expenses are included within the amounts shown. (2)Other segment items for each reportable segment include: Insurance Services - investment income, other gains and losses, and cost of revenue (excluding depreciation, amortization, and stock-based compensation expense) Software & Data - cost of revenue (excluding depreciation, amortization, and stock-based compensation expense) Consumer Services - cost of revenue (excluding depreciation, amortization, and stock-based compensation expense) Reciprocal Segment - investment income, other interest expense, gain on sale of shares of Porch common stock to our wholly owned captive reinsurance business. (3)This depreciation, amortization, and stock-based compensation expense for the Insurance Services, Software & Data, and Consumer Services segments is the amount included within Gross Profit. No depreciation, amortization or stock-based compensation expense is included in Adjusted EBITDA. The amount of depreciation and amortization disclosed for the Reciprocal Segment is included within selling and marketing expense and general and administrative expense. The following table presents a reconciliation of the total of the reportable segments’ other significant items to the corresponding consolidated amount.
|  | Three Months Ended June 30, 2026
|  | Segment Totals |  | Adjustments |  | Consolidated Totals
Stock-based compensation expense |  | $ | 47 |  |  | $ | 7,815 |  | (1) | $ | 7,862 |
Depreciation and amortization |  | 1,900 |  |  | 7,604 |  | (2) | 9,504 |
Other interest expense |  | 194 |  |  | 14,581 |  | (3) | 14,775 |
______________________________________ (1)Represents stock-based compensation expense not included in Cost of Revenue. (2)Represents depreciation and amortization expense in reportable segments other than the Reciprocal Segment and not included in Cost of Revenue. (3)Represents interest expense in reportable segments other than the Reciprocal Segment and primarily consists of interest expense on our convertible senior notes (see Note 9).
|  | Three Months Ended June 30, 2025
|  | Insurance Services |  | Software & Data |  | Consumer Services |  | Reciprocal Segment |  | Total
Revenue from external customers |  | $ | 6,748 |  |  | $ | 21,978 |  |  | $ | 17,650 |  |  | $ | 79,701 |  |  | 126,077 |
Intersegment revenue |  | 60,642 |  |  | 2,035 |  |  | — |  |  | (24,292) |  |  | 38,385 |
Segment revenue |  | $ | 67,390 |  |  | $ | 24,013 |  |  | $ | 17,650 |  |  | $ | 55,409 |  |  | $ | 164,462 |
Elimination of intersegment revenue |  |  |  |  |  |  |  |  |  | (38,385) |
Total consolidated revenue |  |  |  |  |  |  |  |  |  | $ | 126,077 |
Less: | (1) |  |  |  |  |  |  |  |  |
Cost of revenue |  | (9,526) |  |  | (5,846) |  |  | (2,414) |  |  | (23,896) |  |  |
Segment Gross Profit |  | $ | 57,864 |  |  | $ | 18,167 |  |  | $ | 15,236 |  |  | $ | 31,513 |  |  | $ | 122,780 |
Add (Subtract): | (1) |  |  |  |  |  |  |  |  |
Selling and marketing |  |  |  |  |  |  |  | (3,635) |  |  |
Product and technology |  |  |  |  |  |  |  | (558) |  |  |
General and administrative |  |  |  |  |  |  |  | (19,854) |  |  |
Interest expense on intercompany surplus notes |  |  |  |  |  |  |  | (3,890) |  |  |
Income tax benefit (expense) |  |  |  |  |  |  |  | (99) |  |  |
Other segment items | (2) |  |  |  |  |  |  | 2,191 |  |  |
Segment Net Income |  |  |  |  |  |  |  | $ | 5,668 |  |  |
Segment revenue |  | $ | 67,390 |  |  | $ | 24,013 |  |  | $ | 17,650 |  |  |  |  |
Add (Subtract): | (1) |  |  |  |  |  |  |  |  |
Selling and marketing (excluding depreciation, amortization, and stock-based compensation expense) |  | (36,936) |  |  | (8,109) |  |  | (10,151) |  |  |  |  |
Product and technology (excluding depreciation, amortization, impairments, and stock-based compensation expense) |  | (2,354) |  |  | (4,304) |  |  | (978) |  |  |  |  |
General and administrative (excluding depreciation, amortization, impairments, stock-based compensation expense, mark-to-market gains or losses, restructuring & other costs, and acquisition & other transaction costs) |  | (4,414) |  |  | (2,038) |  |  | (2,334) |  |  |  |  |
Interest income on intercompany surplus notes |  | 3,890 |  |  | — |  |  | — |  |  |  |  |
Other segment items | (2) | (7,919) |  |  | (4,020) |  |  | (2,230) |  |  |  |  |
Segment Adjusted EBITDA |  | $ | 19,657 |  |  | $ | 5,542 |  |  | $ | 1,957 |  |  |  |  |
Additional measure of segment profit (loss) |  | $ | 19,657 |  |  | $ | 5,542 |  |  | $ | 1,957 |  |  | $ | 5,668 |  |  | $ | 32,824 |
Other segment disclosures |  |  |  |  |  |  |  |  |  |
Stock-based compensation expense | (3) | $ | 44 |  |  | $ | 16 |  |  | $ | 2 |  |  |  |  | $ | 62 |
Depreciation and amortization | (3) | — |  |  | 1,810 |  |  | 182 |  |  |  |  | 1,992 |
Other interest expense |  |  |  |  |  |  |  | 30 |  |  | 30 |
______________________________________ (1)The significant expense categories and amounts align with the segment-level information that is regularly provided to the CODM. Intersegment expenses are included within the amounts shown. (2)Other segment items for each reportable segment include: Insurance Services - investment income, other gains and losses, and cost of revenue (excluding depreciation, amortization, and stock-based compensation expense) Software & Data - cost of revenue (excluding depreciation, amortization, and stock-based compensation expense) Consumer Services - cost of revenue (excluding depreciation, amortization, and stock-based compensation expense) Reciprocal Segment - investment income, other interest expense. (3)The amount of depreciation, amortization, and stock-based compensation expense disclosed for the Insurance Services, Software & Data, and Consumer Services segments is the amount included within Gross Profit. No depreciation, amortization or stock-based compensation expense is included in Adjusted EBITDA. The amount of depreciation and amortization disclosed for the Reciprocal Segment is included within selling and marketing expense and general and administrative expense. The following table presents a reconciliation of the total of the reportable segments’ other significant items to the corresponding consolidated amount.
|  | Three Months Ended June 30, 2025
|  | Segment Totals |  | Adjustments |  | Consolidated Totals
Stock-based compensation expense |  | $ | 62 |  |  | $ | 7,938 |  | (1) | $ | 8,000 |
Depreciation and amortization |  | 1,992 |  |  | 2,469 |  | (2) | 4,461 |
Other interest expense |  | 30 |  |  | 12,026 |  | (3) | 12,056 |
______________________________________ (1)Represents stock-based compensation expense not included in Cost of Revenue. (2)Represents depreciation and amortization expense in reportable segments other than the Reciprocal Segment and not included in Cost of Revenue. (3)Represents interest expense in reportable segments other than the Reciprocal Segment and primarily consists of interest expense on our convertible senior notes (see Note 9).
|  | Six Months Ended June 30, 2026
|  | Insurance Services |  | Software & Data |  | Consumer Services |  | Reciprocal Segment |  | Total
Revenue from external customers |  | $ | 18,335 |  |  | $ | 40,383 |  |  | $ | 33,271 |  |  | $ | 170,016 |  |  | 262,005 |
Intersegment revenue |  | 149,261 |  |  | 4,636 |  |  | — |  |  | (59,109) |  |  | 94,788 |
Segment revenue |  | $ | 167,596 |  |  | $ | 45,019 |  |  | $ | 33,271 |  |  | $ | 110,907 |  |  | $ | 356,793 |
Elimination of intersegment revenue |  |  |  |  |  |  |  |  |  | (94,788) |
Total consolidated revenue |  |  |  |  |  |  |  |  |  | $ | 262,005 |
Less: | (1) |  |  |  |  |  |  |  |  |
Cost of revenue |  | (22,623) |  |  | (11,067) |  |  | (4,821) |  |  | (51,912) |  |  |
Segment Gross Profit |  | $ | 144,973 |  |  | $ | 33,952 |  |  | $ | 28,450 |  |  | $ | 58,995 |  |  | $ | 266,370 |
Add (Subtract): | (1) |  |  |  |  |  |  |  |  |
Selling and marketing |  |  |  |  |  |  |  | (16,826) |  |  |
Product and technology |  |  |  |  |  |  |  | (3,803) |  |  |
General and administrative |  |  |  |  |  |  |  | (46,404) |  |  |
Interest expense on intercompany surplus notes |  |  |  |  |  |  |  | (7,027) |  |  |
Income tax benefit (expense) |  |  |  |  |  |  |  | (3,049) |  |  |
Other segment items | (2) |  |  |  |  |  |  | 15,934 |  |  |
Segment Net Income |  |  |  |  |  |  |  | $ | (2,180) |  |  |
Segment revenue |  | $ | 167,596 |  |  | $ | 45,019 |  |  | $ | 33,271 |  |  |  |  |
Add (Subtract): | (1) |  |  |  |  |  |  |  |  |
Selling and marketing (excluding depreciation, amortization, and stock-based compensation expense) |  | (72,939) |  |  | (15,414) |  |  | (19,784) |  |  |  |  |
Product and technology (excluding depreciation, amortization, impairments, and stock-based compensation expense) |  | (3,783) |  |  | (9,406) |  |  | (1,121) |  |  |  |  |
General and administrative (excluding depreciation, amortization, impairments, stock-based compensation expense, mark-to-market gains or losses, restructuring & other costs, and acquisition & other transaction costs) |  | (6,942) |  |  | (2,777) |  |  | (4,690) |  |  |  |  |
Interest income on intercompany surplus notes |  | 7,027 |  |  | — |  |  | — |  |  |  |  |
Other segment items | (2) | (19,069) |  |  | (7,644) |  |  | (4,435) |  |  |  |  |
Segment Adjusted EBITDA |  | $ | 71,890 |  |  | $ | 9,778 |  |  | $ | 3,241 |  |  |  |  |
Additional measure of segment profit (loss) |  | $ | 71,890 |  |  | $ | 9,778 |  |  | $ | 3,241 |  |  | $ | (2,180) |  |  | $ | 82,729 |
Other segment disclosures: |  |  |  |  |  |  |  |  |  |
Stock-based compensation expense | (3) | $ | 53 |  |  | $ | 28 |  |  | $ | 8 |  |  |  |  | $ | 89 |
Depreciation and amortization | (3) | 39 |  |  | 3,395 |  |  | 378 |  |  |  |  | 3,812 |
Other interest expense |  |  |  |  |  |  |  | 198 |  |  | 198 |
______________________________________ (1)The significant expense categories and amounts align with the segment-level information that is regularly provided to the CODM. Intersegment expenses are included within the amounts shown. (2)Other segment items for each reportable segment include: Insurance Services - investment income, other gains and losses, and cost of revenue (excluding depreciation, amortization, and stock-based compensation expense) Software & Data - cost of revenue (excluding depreciation, amortization, and stock-based compensation expense) Consumer Services - cost of revenue (excluding depreciation, amortization, and stock-based compensation expense) Reciprocal Segment - investment income, other interest expense, gain on sale of shares of Porch common stock to our wholly owned captive reinsurance business. (3)The amount of depreciation, amortization, and stock-based compensation expense disclosed for the Insurance Services, Software & Data, and Consumer Services segments is the amount included within Gross Profit. No depreciation, amortization or stock-based compensation expense is included in Adjusted EBITDA. The amount of depreciation and amortization disclosed for the Reciprocal Segment is included within selling and marketing expense and general and administrative expense. The following table presents a reconciliation of the total of the reportable segments’ other significant items to the corresponding consolidated amount.
|  | Six Months Ended June 30, 2026
|  | Segment Totals |  | Adjustments |  | Consolidated Totals
Stock-based compensation expense |  | $ | 89 |  |  | $ | 15,056 |  | (1) | $ | 15,145 |
Depreciation and amortization |  | 3,812 |  |  | 9,807 |  | (2) | 13,619 |
Other interest expense |  | 198 |  |  | 29,183 |  | (3) | 29,381 |
______________________________________ (1)Represents stock-based compensation expense not included in Cost of Revenue. (2)Represents depreciation and amortization expense in reportable segments other than the Reciprocal Segment and not included in Cost of Revenue. (3)Represents interest expense in reportable segments other than the Reciprocal Segment and primarily consists of interest expense on our convertible senior notes (see Note 9).
|  | Six Months Ended June 30, 2025
|  | Insurance Services |  | Software & Data |  | Consumer Services |  | Reciprocal Segment |  | Total
Revenue from external customers |  | $ | 11,202 |  |  | $ | 41,997 |  |  | $ | 32,371 |  |  | $ | 145,252 |  |  | 230,822 |
Intersegment revenue |  | 105,994 |  |  | 4,015 |  |  | — |  |  | (49,905) |  |  | 60,104 |
Segment revenue |  | $ | 117,196 |  |  | $ | 46,012 |  |  | $ | 32,371 |  |  | $ | 95,347 |  |  | $ | 290,926 |
Elimination of intersegment revenue |  |  |  |  |  |  |  |  |  | (60,104) |
Total consolidated revenue |  |  |  |  |  |  |  |  |  | $ | 230,822 |
Less: | (1) |  |  |  |  |  |  |  |  |
Cost of revenue |  | (17,007) |  |  | (11,352) |  |  | (4,904) |  |  | (50,145) |  |  |
Segment Gross Profit |  | $ | 100,189 |  |  | $ | 34,660 |  |  | $ | 27,467 |  |  | $ | 45,202 |  |  | $ | 207,518 |
Add (Subtract): | (1) |  |  |  |  |  |  |  |  |
Selling and marketing |  |  |  |  |  |  |  | (11,046) |  |  |
Product and technology |  |  |  |  |  |  |  | (1,693) |  |  |
General and administrative |  |  |  |  |  |  |  | (27,457) |  |  |
Interest expense on intercompany surplus notes |  |  |  |  |  |  |  | (7,564) |  |  |
Income tax benefit (expense) |  |  |  |  |  |  |  | (988) |  |  |
Other segment items | (2) |  |  |  |  |  |  | 4,555 |  |  |
Segment Net Income |  |  |  |  |  |  |  | $ | 1,009 |  |  |
Segment revenue |  | $ | 117,196 |  |  | $ | 46,012 |  |  | $ | 32,371 |  |  |  |  |
Add (Subtract): | (1) |  |  |  |  |  |  |  |  |
Selling and marketing (excluding depreciation, amortization, and stock-based compensation expense) |  | (51,997) |  |  | (16,002) |  |  | (19,630) |  |  |  |  |
Product and technology (excluding depreciation, amortization, impairments, and stock-based compensation expense) |  | (4,667) |  |  | (8,332) |  |  | (2,025) |  |  |  |  |
General and administrative (excluding depreciation, amortization, impairments, stock-based compensation expense, mark-to-market gains or losses, restructuring & other costs, and acquisition & other transaction costs) |  | (8,568) |  |  | (3,987) |  |  | (4,897) |  |  |  |  |
Interest income on intercompany surplus notes |  | 7,564 |  |  | — |  |  | — |  |  |  |  |
Other segment items | (2) | (14,062) |  |  | (7,578) |  |  | (4,532) |  |  |  |  |
Segment Adjusted EBITDA |  | $ | 45,466 |  |  | $ | 10,113 |  |  | $ | 1,287 |  |  |  |  |
Additional measure of segment profit (loss) |  | $ | 45,466 |  |  | $ | 10,113 |  |  | $ | 1,287 |  |  | $ | 1,009 |  |  | $ | 57,875 |
Other segment disclosures |  |  |  |  |  |  |  |  |  |
Stock-based compensation expense | (3) | $ | 62 |  |  | $ | 30 |  |  | $ | 4 |  |  |  |  | $ | 96 |
Depreciation and amortization | (3) | — |  |  | 3,744 |  |  | 368 |  |  |  |  | 4,112 |
Other interest expense |  |  |  |  |  |  |  | 81 |  |  | 81 |
______________________________________ (1)The significant expense categories and amounts align with the segment-level information that is regularly provided to the CODM. Intersegment expenses are included within the amounts shown. (2)Other segment items for each reportable segment include: Insurance Services - investment income, other gains and losses, and cost of revenue (excluding depreciation, amortization, and stock-based compensation expense) Software & Data - cost of revenue (excluding depreciation, amortization, and stock-based compensation expense) Consumer Services - cost of revenue (excluding depreciation, amortization, and stock-based compensation expense) Reciprocal Segment - investment income, other interest expense. (3)The amount of depreciation, amortization, and stock-based compensation expense disclosed for the Insurance Services, Software & Data, and Consumer Services segments is the amount included within Gross Profit. No depreciation, amortization or stock-based compensation expense is included in Adjusted EBITDA. The amount of depreciation and amortization disclosed for the Reciprocal Segment is included within selling and marketing expense and general and administrative expense. The following table presents a reconciliation of the total of the reportable segments’ other significant items to the corresponding consolidated amount.
|  | Six Months Ended June 30, 2025
|  | Segment Totals |  | Adjustments |  | Consolidated Totals
Stock-based compensation expense |  | $ | 96 |  |  | $ | 12,814 |  | (1) | $ | 12,910 |
Depreciation and amortization |  | 4,112 |  |  | 5,373 |  | (2) | 9,485 |
Other interest expense |  | 81 |  |  | 23,221 |  | (3) | 23,302 |
______________________________________ (1)Represents stock-based compensation expense not included in Cost of Revenue. (2)Represents depreciation and amortization expense in reportable segments other than the Reciprocal Segment and not included in Cost of Revenue. (3)Represents interest expense in reportable segments other than the Reciprocal Segment and primarily consists of interest expense on our convertible senior notes (see Note 9). The following table presents a reconciliation of segment gross profit to consolidated gross profit and consolidated income before taxes profitability measures to consolidated net income (loss).
|  | Three Months Ended June 30, |  | Six Months Ended June 30,
|  | 2026 |  | 2025 |  | 2026 |  | 2025
Reconciliation of segment Gross Profit |  |  |  |  |  |  |  |
Total segment Gross Profit |  | $ | 136,591 |  |  | $ | 122,780 |  |  | $ | 266,370 |  |  | $ | 207,518 |
Add back: Segment cost of revenue (excluding Reciprocal Segment) |  | 20,248 |  |  | 17,786 |  |  | 38,511 |  |  | 33,263 |
Segment operating expenses (excluding Reciprocal Segment) | (1) |  | (84,813) |  |  | (85,787) |  |  | (168,004) |  |  | (146,277) |
Reciprocal Segment operating expenses | (2) |  | (26,721) |  |  | (21,856) |  |  | (51,099) |  |  | (35,641) |
Unallocated amounts: |  |  |  |  |  |  |  |
Corporate general and administrative expenses (excluding depreciation, amortization, impairments, stock-based compensation expense, restructuring & other costs, and acquisition & other transaction costs) |  | (9,579) |  |  | (7,745) |  |  | (18,142) |  |  | (16,760) |
Corporate product and technology expenses (excluding depreciation, amortization, and stock-based compensation expense) |  | (4,012) |  |  | (3,740) |  |  | (7,715) |  |  | (7,514) |
Corporate selling and marketing expenses (excluding stock-based compensation expense) |  | (410) |  |  | (320) |  |  | (725) |  |  | (693) |
Corporate interest income |  | 229 |  |  | 279 |  |  | 459 |  |  | 592 |
Other corporate income (expense), net |  | — |  |  | — |  |  | — |  |  | — |
Interest expense (excluding Reciprocal Segment) |  | (14,581) |  |  | (12,026) |  |  | (29,183) |  |  | (23,221) |
Depreciation and amortization (excluding Reciprocal Segment) |  | (9,504) |  |  | (4,461) |  |  | (13,619) |  |  | (9,485) |
Gain on extinguishment of debt |  | — |  |  | 34 |  |  | — |  |  | 34 |
Other income, net |  | 79 |  |  | 95 |  |  | 96 |  |  | 7,257 |
Stock-based compensation costs |  | (10,733) |  |  | (8,000) |  |  | (18,016) |  |  | (12,910) |
Change in fair value of private warrant liability |  | — |  |  | (2,878) |  |  | — |  |  | (3,610) |
Change in fair value of derivatives |  | 860 |  |  | 12,853 |  |  | 2,627 |  |  | 19,526 |
Other items |  | (11,219) |  |  | 146 |  |  | (11,384) |  |  | (280) |
Consolidated income (loss) before income taxes |  | $ | (13,565) |  |  | $ | 7,160 |  |  | $ | (9,824) |  |  | $ | 11,799 |
Reconciliation of segment profit/(loss) |  |  |  |  |  |  |  |
Total segment profit/(loss) |  | $ | 44,024 |  |  | $ | 32,824 |  |  | $ | 82,729 |  |  | $ | 57,875 |
Add back: Income tax benefit (provision) of Reciprocal |  | 1,281 |  |  | 99 |  |  | 3,049 |  |  | 988 |
Unallocated amounts: |  |  |  |  |  |  |  |
Corporate general and administrative expenses (excluding depreciation, amortization, impairments, stock-based compensation expense, restructuring & other costs, and acquisition & other transaction costs) |  | (9,579) |  |  | (7,745) |  |  | (18,142) |  |  | (16,760) |
Corporate product and technology expenses (excluding depreciation, amortization, and stock-based compensation expense) |  | (4,012) |  |  | (3,740) |  |  | (7,715) |  |  | (7,514) |
Corporate selling and marketing expenses (excluding stock-based compensation expense) |  | (410) |  |  | (320) |  |  | (725) |  |  | (693) |
Corporate interest income |  | 229 |  |  | 279 |  |  | 459 |  |  | 592 |
Other corporate income (expense), net |  | — |  |  | — |  |  | — |  |  | — |
Interest expense (excluding Reciprocal Segment) |  | (14,581) |  |  | (12,026) |  |  | (29,183) |  |  | (23,221) |
Depreciation and amortization (excluding Reciprocal Segment) |  | (9,504) |  |  | (4,461) |  |  | (13,619) |  |  | (9,485) |
Gain on extinguishment of debt |  | — |  |  | 34 |  |  | — |  |  | 34 |
Other income, net |  | 79 |  |  | 95 |  |  | 96 |  |  | 7,257 |
Stock-based compensation costs |  | (10,733) |  |  | (8,000) |  |  | (18,016) |  |  | (12,910) |
Change in fair value of private warrant liability |  | — |  |  | (2,878) |  |  | — |  |  | (3,610) |
Change in fair value of derivatives |  | 860 |  |  | 12,853 |  |  | 2,627 |  |  | 19,526 |
Other items |  | (11,219) |  |  | 146 |  |  | (11,384) |  |  | (280) |
Consolidated income (loss) before income taxes |  | $ | (13,565) |  |  | $ | 7,160 |  |  | $ | (9,824) |  |  | $ | 11,799 |
______________________________________ (1)Segment operating expenses (excluding Reciprocal Segment) includes Selling and marketing (excluding depreciation, amortization, and stock-based compensation expense), Product and technology (excluding depreciation, amortization, impairments, and stock-based compensation expense), General and administrative (excluding depreciation, amortization, impairments, stock-based compensation expense, mark-to-market gains or losses, restructuring & other costs, and acquisition & other transaction costs), and Other segment items for the Insurance Services, Software & Data, and Consumer Services segments. (2)Reciprocal Segment operating expenses include Selling and marketing, Product and technology, General and administrative, and Other segment items of the Reciprocal Segment.

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- Definition Tabular disclosure of reconciliation of profit (loss) by reportable segment to consolidated profit (loss). Includes, but is not limited to, reconciliation of income (loss) before income tax expense (benefit) and after income tax if income tax is allocated to reportable segment. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 31 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-31 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 32 -Subparagraph (f) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32 Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 30 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30 + Details
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