INCOME TAXES (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Federal [Abstract]
Current	$ 16,659,000	$ 4,289,000	$ 63,000
Deferred	1,059,000	1,393,000	2,052,000
Provision for Federal income tax expense	17,718,000	5,682,000	2,115,000
State [Abstract]
Current	2,204,000	0	0
Deferred	186,000	809,000	320,000
Provision for state income tax expense	2,390,000	809,000	320,000
Provision for income tax expense	20,108,000	6,491,000	2,435,000
Components of effective federal and state tax rates to income before provision for income tax benefit [Abstract]
Computed expected tax expense provision, at federal rate	19,887,000	6,535,000	2,294,000
State tax, net of federal deduction expense	1,696,000	698,000	245,000
Tax-exempt interest	(312,000)	(31,000)	(26,000)
Dividend received deduction	(136,000)	(97,000)	(88,000)
Stock option expense	0	(34,000)	72,000
AMT tax credit	0	0	(113,000)
True-up / Rate Change	(1,027,000)	(306,000)	0
Other	0	(274,000)	51,000
Provision for income tax expense	20,108,000	6,491,000	2,435,000
Deferred tax assets [Abstract]
Unpaid losses and loss adjustment expenses	1,239,000	1,157,000
Unearned premiums	7,812,000	6,864,000
Discount on advance premiums	0	243,000
Allowance for credit losses	63,000	59,000
Allowance for impairments	20,000	21,000
Depreciation & amortization	13,000	149,000
Reserve for claims settlements	12,000	1,844,000
NOL Carryforward	0	73,000
Deferred revenue	36,000	0
Flow-through income or loss	0	4,000
Stock option expense per ASC 718	545,000	550,000
Total deferred tax assets	9,740,000	10,964,000
Deferred tax liabilities [Abstract]
Deferred acquisition costs, net	(6,199,000)	(6,287,000)
Flow-through income or loss	(9,000)	0
Dividends Collected vs. Earned	(12,000)	(6,000)
Regulatory assessments	(69,000)	(67,000)
Unrealized Gain on investment securities	(4,792,000)	(3,598,000)
Total deferred tax liabilities	(11,081,000)	(9,958,000)
Net deferred tax (liability) asset	(1,341,000)	1,006,000
Tax benefits from exercise of non-qualifying stock options, restricted stock and disqualifying dispositions of incentive stock options	900,000
Deferred tax liabilities related to unrealized gains on investments	$ 1,000,000