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Subsequent Events	12 Months Ended
	Dec. 31, 2024
Subsequent Events [Abstract]
Subsequent Events	SUBSEQUENT EVENTS We evaluate all subsequent events and transactions for potential recognition or disclosure in our financial statements. Effective January 1, 2025, ACIC, through its wholly owned insurance subsidiary, AmCoastal, renewed its all other perils catastrophe agreement (AOP CAT agreement). The AOP CAT agreement provides up to $90 million of occurrence limit excess of the $10 million attachment point to limit the Company’s losses from catastrophe loss events other than named windstorms and earthquakes. The Company’s wholly owned reinsurance subsidiary, Shoreline Re, is a participant in the AOP CAT agreement, bringing the Company’s consolidated retention to $9.8 million per occurrence, net of inuring quota share reinsurance coverage. The cost of the AOP CAT agreement is approximately $11.9 million, a risk adjusted decrease of 8% year-over-year. Exclusive of ACIC’s retention, the AOP CAT agreement provides coverage of approximately $88.2 million for a first event and $88.2 million for a second event, or $176.4 million in the aggregate, an aggregate increase of $4.4 million or 2.6% year-over-year. In addition, the attachment point decreased $4 million, or 28.6% year-over-year, from $14 million to $10 million. In addition to the “AOP CAT” agreement, ACIC, through AmCoastal, purchased a new catastrophe aggregate excess of loss agreement (the “CAT Agg” agreement). This agreement provides coverage for in-force, new and renewal business. Effective January 1, 2025, the new CAT Agg agreement provides $40 million of aggregate limit (with a $20 million per occurrence cap) excess of zero after the $40 million annual aggregate deductible has been exceeded. The CAT Agg agreement limits the Company’s losses from all catastrophe loss events, including named windstorms, severe convective storms and winter storm events for the full year ending December 31, 2025. The cost of the CAT Agg agreement is approximately $6.6 million. On February 13, 2025, Forza’s application to acquire IIC was approved by the NYDFS. The Company and Forza have agreed to close on April 1, 2025.

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- Definition

The entire disclosure for significant events or transactions that occurred after the balance sheet date through the date the financial statements were issued or the date the financial statements were available to be issued. Examples include: the sale of a capital stock issue, purchase of a business, settlement of litigation, catastrophic loss, significant foreign exchange rate changes, loans to insiders or affiliates, and transactions not in the ordinary course of business.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 855
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/855/tableOfContent

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 855
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483399/855-10-50-2

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