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Reinsurance (Tables) | 9 Months Ended
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Sep. 30, 2025
Reinsurance Disclosures [Abstract] |
Summary of Premium Received and Capital at Risk | The table below outlines the participation of Shoreline Re for each program, including premium received and capital at risk.
Treaty |  | Effective Dates |  | Premium Collected / Cession Rate |  |  | Capital at Risk (1) |  |
Quota Share Agreement |  | 06/01/2025 - 06/01/2026 |  | 45% (2) |  |  | $ | 33,346,000 |  | (3)
All Other Perils Catastrophe |  | 01/01/2025 - |  |  |  |  |  |  |
Excess of Loss Agreement |  | 12/31/2025 |  | $ | 1,296,000 |  |  |  | 2,304,000 |  |
All Other Perils Catastrophe |  | 01/01/2024 - |  |  |  |  |  |  |
Excess of Loss Agreement |  | 01/01/2025 |  |  | — |  |  |  | 4,500,000 |  | (4)
Excess Per Risk Agreement |  | 02/01/2024 - 02/01/2025 |  |  | 1,867,000 |  |  |  | 633,000 |  |
Quota Share Agreement (5) |  | 06/01/2024 - 06/01/2026 |  | 30% (2) |  |  | $ | 4,200,000 |  | (6)
(1) Capital at risk is calculated by taking the aggregate losses Shoreline Re is subject to under the contract, less net premiums earned under the contract. (2) This treaty provides or provided coverage for all catastrophe perils and attritional losses incurred. For all catastrophe perils, the quota share agreement provides or provided ground-up protection, effectively reducing our retention for catastrophe losses. (3) Net premiums earned based on estimated subject premiums at June 1, 2025. (4) This treaty was amended on June 1, 2025 to include reinstatement, resulting in additional premium and aggregate losses. (5) This treaty was commuted on June 1, 2025 with no impact on our consolidated results. (6) Net premiums earned based on estimated subject premiums at June 1, 2024.
Schedule of External Quota Share Agreements | The table below outlines the Company's external quota share agreements in effect for the nine months ended September 30, 2025 and 2024.
Reinsurer |  | Companies in Scope |  | Effective Dates |  | Cession Rate |  | States in Scope
External third-party |  | AmCoastal |  | 06/01/2024 - 06/01/2026 |  | 20% (1)(2) |  | Florida
External third-party |  | AmCoastal |  | 06/01/2023 - 06/01/2024 |  | 40% (1) |  | Florida
(1) This treaty provides or provided coverage for all catastrophe perils and attritional losses incurred. For all catastrophe perils, the quota share agreement provides or provided ground-up protection, effectively reducing the Company's retention for catastrophe losses. (2) The cession rate of this treaty was reduced from 20% to 15% effective June 1, 2025 to June 1, 2026.
Reinsurance Recoverables | Reinsurance recoverable at the balance sheet dates consists of the following:
|  | September 30, 2025 |  |  | December 31, 2024 |
Reinsurance recoverable on unpaid losses and loss adjustment expenses |  | $ | 137,632 |  |  | $ | 249,276 |
Reinsurance recoverable on paid losses and loss adjustment expenses |  |  | 6,629 |  |  |  | 14,143 |
Reinsurance recoverable(1) |  | $ | 144,261 |  |  | $ | 263,419 |
(1) The Company's reinsurance recoverable balance is net of its allowance for expected credit losses. More information related to this allowance can be found in Note 13.

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