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LOSS AND LOSS ADJUSTMENT EXPENSE RESERVES - Schedule of Reserve Balance (Details) - USD ($) $ in Millions | 3 Months Ended | 6 Months Ended |  |
--- | --- | --- | --- | ---
Jun. 30, 2025 | Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024 | Dec. 31, 2024 | Dec. 31, 2023
Liability for Unpaid Claims and Claims Adjustment Expense [Roll Forward] |  |  |  |  |  |
Gross loss and LAE reserves, January 1 |  |  | $ 413.2 | $ 284.2 |  |
Reinsurance recoverable on unpaid losses |  |  | (48.0) | (43.8) |  |
Net loss and LAE reserves, January 1 | $ 408.5 | $ 324.1 | 408.5 | 324.1 | $ 365.2 | $ 240.4
Net incurred loss and LAE related to: |  |  |  |  |  |
Current year |  |  | 452.9 | 361.3 |  |
Prior years |  |  | (14.0) | (4.6) |  |
Net losses and LAE incurred | 233.3 | 190.3 | 438.9 | 356.7 |  |
Net paid loss and LAE related to: |  |  |  |  |  |
Current year |  |  | 205.9 | 153.5 |  |
Prior years |  |  | 189.7 | 119.5 |  |
Total paid |  |  | 395.6 | 273.0 |  |
Net loss and LAE reserves, June 30 | 408.5 | 324.1 | 408.5 | 324.1 |  |
Plus reinsurance recoverable on unpaid losses | 36.0 | 51.7 | 36.0 | 51.7 |  |
Gross loss and LAE reserves, June 30 | $ 444.5 | $ 375.8 | $ 444.5 | $ 375.8 |  |

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