National Security (NSEC) 10-Q 14 May 15 2015 Q1 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information Document	3 Months Ended
	Mar. 31, 2015	14-May-15
Document and Entity Information [Abstract]
Entity Registrant Name	NATIONAL SECURITY GROUP INC
Entity Central Index Key	865058
Current Fiscal Year End Date	-19
Entity Filer Category	Smaller Reporting Company
Document Type	10-Q
Document Period End Date	31-Mar-15
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	Q1
Amendment Flag	FALSE
Entity Common Stock, Shares Outstanding		2,507,452

CONDENSED_CONSOLIDATED_BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Investments
Fixed maturities held-to-maturity, at amortized cost (estimated fair value: 2015 - $2,905; 2014 - $3,182)	$2,767	$3,108
Fixed maturities available-for-sale, at estimated fair value (cost: 2015 - $86,454; 2014 - $84,024)	89,901	86,886
Equity securities available-for-sale, at estimated fair value (cost: 2015 - $2,420; 2014 - $2,420)	4,964	4,995
Trading securities	19	19
Mortgage loans on real estate, at cost	208	210
Investment real estate, at book value	3,735	3,735
Policy loans	1,556	1,530
Company owned life insurance	5,161	5,513
Other invested assets	3,484	3,553
Total Investments	111,795	109,549
Cash	7,108	6,426
Accrued investment income	842	797
Policy receivables and agents' balances, net	11,285	10,948
Reinsurance recoverable	1,510	939
Deferred policy acquisition costs	8,586	8,592
Property and equipment, net	2,035	2,013
Deferred income tax asset, net	3,055	3,189
Other assets	800	2,412
Total Assets	147,016	144,865
LIABILITIES AND SHAREHOLDERS' EQUITY
Property and casualty benefit and loss reserves	8,876	8,321
Accident and health benefit and loss reserves	2,991	3,017
Life and annuity benefit and loss reserves	31,482	31,418
Unearned premiums	29,564	28,853
Policy and contract claims	1,113	996
Other policyholder funds	1,525	1,510
Short-term notes payable and current portion of long-term debt	1,557	857
Long-term debt	17,515	18,715
Accrued income taxes	492	487
Other liabilities	7,688	7,934
Total Liabilities	102,803	102,108
Contingencies
Shareholders' equity
Common stock	2,508	2,508
Additional paid-in capital	5,267	5,267
Accumulated other comprehensive income	3,020	2,772
Retained earnings	33,418	32,210
Total Shareholders' Equity	44,213	42,757
Total Liabilities and Shareholders' Equity	$147,016	$144,865

CONDENSED_CONSOLIDATED_BALANCE1

CONDENSED CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Investments
Fixed maturities held-to-maturity, at estimated fair value	$2,905	$3,182
Fixed maturities available-for-sale, at cost	86,454	84,024
Equity securities available-for-sale, at cost	$2,420	$2,420

CONDENSED_CONSOLIDATED_STATEME

CONDENSED CONSOLIDATED STATEMENTS OF INCOME (USD $)	3 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
REVENUES
Net premiums earned	$14,706	$13,824
Net investment income	974	948
Net realized investment gains (losses)	142	88
Other income	158	154
Total Revenues	15,980	15,014
BENEFITS, LOSSES AND EXPENSES
Policyholder benefits and settlement expenses	8,262	7,864
Amortization of deferred policy acquisition costs	899	898
Commissions	2,055	2,027
General and administrative expenses	2,006	2,026
Taxes, licenses and fees	655	530
Interest expense	317	386
Total Benefits, Losses and Expenses	14,194	13,731
Income Before Income Taxes	1,786	1,283
INCOME TAX EXPENSE
Current	471	88
Deferred	7	196
Total income tax expense	478	284
Net income	$1,308	$999
INCOME PER COMMON SHARE BASIC AND DILUTED	$0.52	$0.40
DIVIDENDS DECLARED PER SHARE	$0.04	$0.03

CONDENSED_CONSOLIDATED_STATEME1

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Statement of Comprehensive Income [Abstract]
Net income	$1,308	$999
Other comprehensive income (loss), net of tax
Unrealized gains on securities, net of reclassification adjustment of $94 and $59 for 2015 and 2014, respectively	365	1,073
Unrealized loss on interest rate swap	-117	-76
Other comprehensive income, net of tax	248	997
Comprehensive income	$1,556	$1,996

CONDENSED_CONSOLIDATED_STATEME2

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Statement of Comprehensive Income [Abstract]
Reclassification adjustment	$94	$59

CONDENSED_CONSOLIDATED_STATEME3

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERSb EQUITY (USD $)	Total	Retained Earnings [Member]	Accumulated Other Comprehensive Income [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]
In Thousands
Balance at December 31, 2014 (AUDITED) at Dec. 31, 2014	$42,757	$32,210	$2,772	$2,508	$5,267
Net income for the three months ended March 31, 2015	1,308	1,308
Other comprehensive income (net of tax)	248		248
Cash dividends	-100	-100
Balance at March 31, 2015 at Mar. 31, 2015	$44,213	$33,418	$3,020	$2,508	$5,267

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Statement of Cash Flows [Abstract]
Net income	$1,308	$999
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation expense and amortization/accretion, net	79	134
Increase in cash surrender value of company owned life insurance	-44	-30
Net realized gains on investments	-142	-88
Deferred income taxes	7	196
Amortization of deferred policy acquisition costs	899	898
Change in accrued investment income	-45	-19
Change in reinsurance recoverable	-571	223
Policy acquisition costs deferred	-893	-856
Change in accrued income taxes	5	38
Change in net policy liabilities and claims	1,075	1,066
Changes in other assets/liabilities, net	1,247	-71
Other, net	8	8
Net cash provided by operating activities	2,933	2,498
Cash Flows from Investing Activities:
Available-for-sale securities	-7,582	-2,707
Property and equipment	-69	-4
Held-to-maturity securities	346	39
Available-for-sale securities	5,256	2,370
Property and equipment	0	3
Other invested assets, net	383	34
Net cash used in investing activities	-1,666	-265
Cash Flows from Financing Activities:
Change in other policyholder funds	15	19
Proceeds from long-term debt	0	275
Repayments of long-term debt	-500	0
Change in short-term notes payable	0	-700
Dividends paid	-100	-75
Net cash used in financing activities	-585	-481
Net change in cash and cash equivalents	682	1,752
Cash and cash equivalents, beginning of year	6,426	4,987
Cash and cash equivalents, end of year	$7,108	$6,739

Significant_Accounting_Policie

Significant Accounting Policies	3 Months Ended
	Mar. 31, 2015
Accounting Policies [Abstract]
Significant Accounting Policies	SIGNIFICANT ACCOUNTING POLICIES
	Principles of Consolidation and Basis of Presentation
	The accompanying condensed consolidated financial statements include the accounts of The National Security Group, Inc. (the Company) and its wholly-owned subsidiaries:  National Security Insurance Company (NSIC), National Security Fire and Casualty Company (NSFC) and NATSCO, Inc. (NATSCO).  NSFC includes a wholly-owned subsidiary, Omega One Insurance Company (Omega).  The accompanying condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (GAAP).  In the opinion of management, all adjustments, consisting of normal and recurring items, necessary for the fair presentation of the condensed consolidated financial statements have been included. All significant intercompany transactions and accounts have been eliminated. The financial information presented herein should be read in conjunction with the Company’s Annual
	Report on Form 10-K for the year ended December 31, 2014, which includes information and disclosures not presented
	herein.
	Use of Estimates
	The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the condensed consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Among the more significant estimates included in these condensed consolidated financial statements are reserves for future life insurance policy benefits, liabilities for losses and loss adjustment expenses, reinsurance recoverable associated with loss and loss adjustment expense liabilities, deferred policy acquisition costs, deferred income tax assets and liabilities, assessments of other-than-temporary impairments on investments and accruals for contingencies.  Actual results could differ from these estimates.
	Earnings Per Share
	Earnings per share of common stock is based on the weighted average number of shares outstanding during each year. The adjusted weighted average shares outstanding were 2,507,452 in 2015 and 2,494,480 in 2014.
	Reclassifications
	Certain 2014 amounts have been reclassified from the prior year consolidated financial statements to conform to the 2015 presentation.
	Concentration of Credit Risk
	The Company maintains cash balances which are generally held in non-interest bearing demand deposit accounts subject to FDIC insured limits of $250,000 per entity. At March 31, 2015, the net amount exceeding FDIC insured limits was $3,924,000 at one financial institution. The Company has not experienced any losses in such accounts. Management of the Company reviews financial information of financial institutions on a quarterly basis and believes the Company is not exposed to any significant credit risk on cash and cash equivalents.
	Policy receivables are reported at unpaid balances. Policy receivables are generally offset by associated unearned premium liabilities and are not subject to significant credit risk. Receivables from agents, less provision for credit losses, are composed of balances due from independent agents. At March 31, 2015, the single largest balance due from one agent totaled $937,000.
	Reinsurance contracts do not relieve the Company of its obligations to policyholders. A failure of a reinsurer to meet their obligation could result in losses to the insurance subsidiaries. Allowances for losses are established if amounts are believed to be uncollectible. At March 31, 2015 and December 31, 2014, no amounts were deemed uncollectible. The Company, at least annually, evaluates the financial condition of all reinsurers and evaluates any potential concentrations of credit risk. At March 31, 2015, management does not believe the Company is exposed to any significant credit risk related to its reinsurance program.
	Accounting Changes Not Yet Adopted
	Revenue from Contracts with Customers
	In May 2014, the Financial Accounting Standards Board (FASB) issued guidance on a comprehensive new revenue recognition standard. This standard will not impact accounting for insurance contracts, leases, financial instruments and guarantees. For those contracts that are impacted by the new guidance, the guidance will require an entity to recognize revenue upon the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled to, in exchange for those goods or services. The guidance requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract. This guidance is effective retrospectively for fiscal years beginning after December 15, 2016 and interim periods within those years. Early adoption of this standard is not permitted. Although insurance contracts are specifically scoped out of this new guidance, the Company has minor services that may be subject to the new revenue recognition guidance and are still in the process of evaluating the impact, if any, the guidance may have on its consolidated financial statements.
	Presentation of Financial Statements - Going Concern
	In August 2014, the FASB issued guidance on determining when and how to disclose going concern uncertainties in the financial statements, and requires management to perform interim and annual assessments of an entity’s ability to continue as a going concern within one year of the date the financial statements are issued. The updated guidance is effective for annual periods ending after December 15, 2016 and interim periods thereafter. Early adoption is permitted. The Company does not expect the adoption to have a material impact on its financial position or results of operations.
	Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items
	In January 2015, the FASB issued guidance that eliminates from GAAP the concept of extraordinary items. The guidance is effective for fiscal periods ending after December 15, 2015 and interim periods thereafter. Early adoption is permitted. The Company does not expect the adoption to have a material impact on its financial position or results of operations.
	Amendments to the Consolidation Analysis
	In February 2015, the FASB issued additional guidance regarding the consolidation of certain legal entities. The guidance modifies the evaluation of whether or not limited partnerships and similar legal entities are variable interest entities (VIEs) and the consolidation analysis of entities involved with VIEs, particularly those that have fee arrangements and related party relationships. This guidance is effective for fiscal years beginning after December 15, 2015. The Company does not expect the adoption to have a material impact on its financial position or results of operations.
	Recently Adopted Accounting Standards
	Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures
	In June 2014, the FASB issued guidance requiring secured borrowing accounting treatment for repurchase-to-maturity transactions and provides guidance on accounting for repurchase financing arrangements. This ASU is effective for interim and annual reporting periods beginning after December 15, 2014. The Company adopted this standard on January 1, 2015. The Company is the counter party to repurchase agreements and as such, the adoption did not have a material impact on its financial position or results of operations.
	Reporting Discontinued Operations and Disclosure of Disposals of components of an Entity
	In April 2014, the FASB issued guidance which modifies the definition of discontinued operations by limiting discontinued operations reporting to disposals of components of an entity that represent strategic shifts that have (or will have) a major effect on an entity’s operations and financial results. Also, this update requires additional financial statement disclosures about discontinued operations, as well as disposals of an individually significant component of an entity that do not qualify for discontinued operations presentation. This ASC update is effective for all disposals (or classifications as held for sale) of components of an entity that occur within annual and interim periods beginning on or after December 15, 2014 and for all businesses that, on acquisition, are classified as held for sale that also occur within interim and annual periods beginning on or after December 15, 2014. The Company adopted this standard on January 1, 2015. The Company has no discontinued operations, and the adoption of this standard did not have a material impact on its financial position or results of operations.

Variable_Interest_Entities

Variable Interest Entities	3 Months Ended
	Mar. 31, 2015
Variable Interest Entities [Abstract]
Variable Interest Entities	VARIABLE INTEREST ENTITIES
	The Company holds a passive interest in a limited partnership that is considered to be a Variable Interest Entity (VIE) under the provisions of ASC 810 Consolidation. The Company is not the primary beneficiary of the entity and is not required to consolidate under ASC 810. The entity is a private placement investment fund formed for the purpose of investing in private equity investments. The Company owns less than 1% of the limited partnership. The carrying value of the investment totals $294,000 and is included as a component of Other Invested Assets in the accompanying condensed consolidated balance sheets.
	In December 2005, the Company formed National Security Capital Trust I, a statutory trust created under the Delaware Statutory Trust Act, for the sole purpose of issuing, in private placement transactions, $9,000,000 of trust preferred securities (TPS) and using the proceeds thereof, together with the equity proceeds received from the Company in the initial formation of the Trust, to purchase $9,279,000 of variable rate subordinated debentures issued by the Company. The Company owns all voting securities of the Trust and the subordinated debentures are the sole assets of the Trust. The Trust will meet the obligations of the TPS with the interest and principal paid on the subordinated debentures. The Company received net proceeds from the TPS transactions, after commissions and other costs of issuance, of $9,005,000. The Company also holds all the voting securities issued by the Trust and such trusts are considered to be VIE's. The Trust is not consolidated because the Company is not the primary beneficiary of the trust. The Subordinated Debentures, disclosed in Note 8, are reported in the accompanying condensed consolidated balance sheets as a component of long-term debt. The Company's equity investments in the Trust total $279,000 and are included in Other Assets in the accompanying condensed consolidated balance sheets.
	In June 2007, the Company formed National Security Capital Trust II for the sole purpose of issuing, in private placement transactions, $3,000,000 of trust preferred securities (TPS) and using the proceeds thereof, together with the equity proceeds received from the Company in the initial formation of the Trust, to purchase $3,093,000 unsecured junior subordinated deferrable interest debentures. The Company owns all voting securities of the Trust and the subordinated debentures are the sole assets of the Trust. The Trust will meet the obligations of the TPS with the interest and principal paid on the subordinated debentures. The Company received net proceeds from the TPS transactions, after commissions and other costs of issuance, of $2,995,000. The Company also holds all the voting securities issued by the Trust and such trusts are considered to be VIE's. The Trust is not consolidated because the Company is not the primary beneficiary of the Trust. The Subordinated Debentures, disclosed in Note 7, are reported in the accompanying condensed consolidated balance sheets as a component of long-term debt. The Company's equity investments in the Trust total $93,000 and are included in Other Assets in the accompanying condensed consolidated balance sheets.

Investments

Investments	3 Months Ended
	Mar. 31, 2015
Investments [Abstract]
Investments	INVESTMENTS
	The amortized cost and aggregate fair values of investments in available-for-sale securities as of March 31, 2015 are as follows (dollars in thousands):
	Available-for-sale securities:		Amortized			Gross			Gross		Fair
			Cost			Unrealized			Unrealized		Value
						Gains			Losses
	Corporate debt securities		$	36,570		$	1,904		$	311	$	38,163
	Mortgage backed securities		11,998			297			132		12,163
	Private label mortgage backed securities		5,111			42			73		5,080
	Obligations of states and political subdivisions		14,885			1,043			4		15,924
	U.S. Treasury securities and obligations of U.S. Government corporations and agencies		17,890			727			46		18,571
	Total fixed maturities		86,454			4,013			566		89,901
	Equity securities		2,420			2,690			146		4,964
	Total		$	88,874		$	6,703		$	712	$	94,865
	The amortized cost and aggregate fair values of investments in held-to-maturity securities as of March 31, 2015 are as follows (dollars in thousands):
	Held-to-maturity securities:		Amortized			Gross			Gross		Fair
			Cost			Unrealized			Unrealized		Value
						Gains			Losses
	Mortgage backed securities		$	2,708		$	134		$	—	$	2,842
	U.S. Treasury securities and obligations of U.S. Government corporations and agencies		59			4			—		63
	Total		$	2,767		$	138		$	—	$	2,905
	The amortized cost and aggregate fair values of investments in available-for-sale securities as of December 31, 2014 are as follows (dollars in thousands):
	Available-for-sale securities:		Amortized			Gross			Gross		Fair
			Cost			Unrealized			Unrealized		Value
						Gains			Losses
	Corporate debt securities		$	37,299		$	1,773		$	405	$	38,667
	Mortgage backed securities		12,691			214			153		12,752
	Private label mortgage backed securities		1,261			38			3		1,296
	Obligations of states and political subdivisions		14,919			993			13		15,899
	U.S. Treasury securities and obligations of U.S. Government corporations and agencies		17,854			525			107		18,272
	Total fixed maturities		84,024			3,543			681		86,886
	Equity securities		2,420			2,745			170		4,995
	Total		$	86,444		$	6,288		$	851	$	91,881
	The amortized cost and aggregate fair values of investments in held-to-maturity securities as of December 31, 2014 are as follows (dollars in thousands):
	Held-to-maturity securities:		Amortized			Gross			Gross		Fair
			Cost			Unrealized			Unrealized		Value
						Gains			Losses
	Mortgage backed securities		$	2,818		$	69		$	—	$	2,887
	U.S. Treasury securities and obligations of U.S. Government corporations and agencies		290			5			—		295
	Total		$	3,108		$	74		$	—	$	3,182
	The amortized cost and aggregate fair value of debt securities at March 31, 2015, by contractual maturity, are presented in the following table (dollars in thousands).  Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
	(Dollars in Thousands)		Amortized			Fair
			Cost			Value
	Available-for-sale securities:
	Due in one year or less		$	1,209		$	1,220
	Due after one year through five years		17,042			18,112
	Due after five years through ten years		29,435			30,121
	Due after ten years		38,768			40,448
	Total		$	86,454		$	89,901
	Held-to-maturity securities:
	Due in one year or less		$	—		$	—
	Due after one year through five years		134			141
	Due after five years through ten years		129			141
	Due after ten years		2,504			2,623
	Total		$	2,767		$	2,905
	A summary of securities available-for-sale with unrealized losses as of March 31, 2015, along with the related fair value, aggregated by the length of time that investments have been in a continuous unrealized loss position, is as follows (dollars in thousands):
			Less than 12 months						12 months or longer				Total
	March 31, 2015		Fair			Gross			Fair		Gross		Fair		Gross		Total
			Value			Unrealized			Value		Unrealized		Value		Unrealized		Securities in a Loss Position
						Losses					Losses				Losses
	Fixed maturities
	Corporate debt securities		$	4,612		$	304		$	865	$	7	$	5,477	$	311	11
	Mortgage backed securities		153			2			1,225		130		1,378		132		6
	Private label mortgage backed securities		3,924			70			91		3		4,015		73		7
	Obligations of state and political subdivisions		—			—			338		4		338		4		1
U.S. Treasury securities and obligations of U.S. Government corporations and agencies		—			—			2,492		46		2,492		46		4
Equity securities		—			—			1,140		146		1,140		146		1
		$	8,689		$	376		$	6,151	$	336	$	14,840	$	712	30
There were no securities held-to-maturity with unrealized losses as of March 31, 2015.
A summary of securities available-for-sale with unrealized losses as of December 31, 2014, along with the related fair value, aggregated by the length of time that investments have been in a continuous unrealized loss position, is as follows (dollars in thousands):
		Less than 12 months						12 months or longer				Total
December 31, 2014		Fair			Gross			Fair		Gross		Fair		Gross		Total
		Value			Unrealized			Value		Unrealized		Value		Unrealized		Securities in a Loss Position
					Losses					Losses				Losses
Fixed maturities
Corporate debt securities		$	6,306		$	364		$	1,843	$	41	$	8,149	$	405	18
Mortgage backed securities		1,386			4			1,855		149		3,241		153		12
Private label mortgage backed securities		—			—			97		3		97		3		1
Obligations of state and political subdivisions		—			—			651		13		651		13		2
U.S. Treasury securities and obligations of U.S. Government corporations and agencies		1,475			6			3,499		101		4,974		107		10
Equity securities		—			—			1,116		170		1,116		170		1
		$	9,167		$	374		$	9,061	$	477	$	18,228	$	851	44
There were no securities held-to-maturity with unrealized losses as of December 31, 2014.
The Company conducts periodic reviews to identify and evaluate securities in an unrealized loss position in order to identify other-than-temporary impairments. For securities in an unrealized loss position, the Company assesses whether the Company has the intent to sell the security or more-likely-than-not will be required to sell the security before the anticipated recovery.  If either of these conditions is met, the Company is required to recognize an other-than-temporary impairment with the entire unrealized loss reported in earnings.  For securities in an unrealized loss position that do not meet these conditions, the Company assesses whether the impairment of a security is other-than-temporary.  If the impairment is determined to be other-than-temporary, the Company is required to separate the other-than-temporary impairments into two components:  the amount representing the credit loss and the amount related to all other factors.  The credit loss is the portion of the amortized book value in excess of the net present value of the projected future cash flows discounted at the effective interest rate implicit in the debt security prior to impairment.  The credit loss component of other-than-temporary impairments is reported in earnings, whereas the amount relating to factors other than credit losses are recorded in other comprehensive income, net of taxes.
Management has evaluated each security in a significant unrealized loss position.  The Company has no material exposure to sub-prime mortgage loans and less than 3.69% of the fixed income investment portfolio is rated below investment grade.  In evaluating whether or not the equity loss positions were other-than-temporary impairments, Management evaluated financial information on each company and where available, reviewed analyst reports from at least two independent sources.  Based on a review of the available financial information, the prospect for future earnings of each company and consideration of the Company’s intent and ability to hold the securities until market values recovered, it was determined that the securities in an accumulated loss position in the portfolio were temporary impairments.
For the three months ended March 31, 2015 and year ended December 31, 2014, the Company realized no other-than-temporary impairments.
Major categories of investment income are summarized as follows (dollars in thousands):
		Three months ended March 31,
		2015			2014
Fixed maturities		$	894		$	859
Equity securities		30			29
Mortgage loans on real estate		4			4
Investment real estate		2			2
Policy loans		29			27
Company owned life insurance change in surrender value		44			30
Other		42			54
		1,045			1,005
Less: Investment expenses		71			57
Net investment income		$	974		$	948
Major categories of investment gains and losses are summarized as follows (dollars in thousands):
		Three months ended March 31,
		2015			2014
Fixed maturities		$	142		$	90
Other, principally real estate		—			(2		)
Net realized investment gains		$	142		$	88
An analysis of the net change in unrealized appreciation on available-for-sale securities follows (dollars in thousands):
	31-Mar-15			31-Dec-14
Net change in unrealized appreciation on available-for-sale securities before deferred tax	$	553		$	3,123
Deferred income tax	(188		)	(1,062		)
Net change in unrealized appreciation on available-for-sale securities	$	365		$	2,061

Fair_Value_of_Financial_Assets

Fair Value of Financial Assets and Financial Liabilities	3 Months Ended
	Mar. 31, 2015
Fair Value Disclosures [Abstract]
Fair Value of Financial Assets and Financial Liabilities	FAIR VALUE OF FINANCIAL ASSETS AND FINANCIAL LIABILITIES
	Our available-for-sale securities consists of fixed maturity and equity securities which are recorded at fair value in the accompanying condensed consolidated balance sheets.  The change in the fair value of these investments, unless deemed to be other-than-temporarily impaired, is recorded as a component of other comprehensive income.
	We are permitted to elect to measure financial instruments and certain other items at fair value, with the change in fair value recorded in earnings.  We elected not to measure any eligible items using the fair value option.
	Accounting standards define fair value as the price that would be received to sell an asset or would be paid to transfer a liability in an orderly transaction between market participants at the measurement date, and establishes a framework to make the measurement of fair value more consistent and comparable.  In determining fair value, we primarily use prices and other relevant information generated by market transactions involving identical or comparable assets.
	The Company categorizes assets and liabilities carried at their fair value based upon a fair value hierarchy:
	Level 1 – Quoted prices in active markets for identical assets or liabilities that the Company has the ability to access at the measurement date.
	Level 1 assets and liabilities consist of money market fund deposits and certain of our marketable debt and equity instruments, including equity instruments offsetting deferred compensation, that are traded in an active market with sufficient volume and frequency of transactions.
	Level 2 - Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets with insufficient volume or infrequent transactions (less active markets); or model-derived valuations in which all significant inputs are observable or can be derived principally from or corroborated by observable market data for substantially the full term of the assets or liabilities.
	Level 2 assets include certain of our marketable debt and equity instruments with quoted market prices that are traded in less active markets or priced using a quoted market price for similar instruments. Level 2 assets also include marketable equity instruments with security-specific restrictions that would transfer to the buyer, marketable debt instruments priced using indicator prices which represent non-binding market consensus prices that can be corroborated by observable market quotes, as well as derivative contracts and debt instruments priced using inputs that are observable in the market or can be derived principally from or corroborated by observable market data.  Marketable debt instruments in this category generally include commercial paper, bank time deposits, repurchase agreements for fixed-income instruments, and a majority of floating-rate notes, corporate bonds, and municipal bonds.
	Level 3 - Unobservable inputs to the valuation methodology that are significant to the measurement of fair value of assets or liabilities.
	Level 3 assets and liabilities include marketable debt instruments, non-marketable equity investments, derivative contracts, and company issued debt whose values are determined using inputs that are both unobservable and significant to the values of the instruments being measured. Level 3 assets also include marketable debt instruments that are priced using indicator prices that we were unable to corroborate with observable market quotes.
	Marketable debt instruments in this category generally include asset-backed securities and certain floating-rate notes, corporate bonds, and municipal bonds.
	Assets/Liabilities Measured at Fair Value on a Recurring Basis
	Financial assets and liabilities measured at fair value on a recurring basis as of March 31, 2015 are summarized in the following table by the type of inputs applicable to the fair value measurements (in thousands):
		Fair Value Measurements at Reporting Date Using
	Description	Total			Level 1			Level 2		Level 3
	Financial Assets
	Fixed maturities available-for-sale
	Corporate debt securities	$	38,163		$	—		$	38,163	$	—
	Mortgage backed securities	12,163			—			12,163		—
	Private label mortgage backed securities	5,080			—			5,080		—
	Obligations of states and political subdivisions	15,924			—			15,924		—
	U.S. Treasury securities and obligations of U.S.	18,571			18,571			—		—
	Government corporations and agencies
	Trading securities	19			19			—		—
	Equity securities available-for-sale	4,964			3,823			—		1,141
	Total Financial Assets	$	94,884		$	22,413		$	71,330	$	1,141
	Financial Liabilities
	Interest rate swap	$	(1,415	)	$	—		$	—	$	(1,415	)
	Total Financial Liabilities	$	(1,415	)	$	—		$	—	$	(1,415	)
	The methods and assumptions the Company uses to estimate the fair value of assets and liabilities measured at fair value on a recurring basis are summarized below.
	Fixed maturities available-for-sale — The fair values of the Company’s public fixed maturity securities are generally based on prices obtained from independent pricing services. Consistent with the fair value hierarchy described above, securities with validated quotes from pricing services are generally reflected within Level 2, as they are primarily based on observable pricing for similar assets and/or other market observable inputs.
	Trading securities — Trading securities consist primarily of mutual funds whose fair values are determined consistent with similar instruments described above under “Fixed Maturities” and below under “Equity Securities.”
	Equity securities — Equity securities consist principally of investments in common and preferred stock of publicly traded companies and privately traded securities. The fair values of our publicly traded equity securities are based on quoted market prices in active markets for identical assets and are classified within Level 1 in the fair value hierarchy.
	Estimated fair values for our privately traded equity securities require a substantial level of judgment. Privately traded equity securities are classified within Level 3.
	Interest rate swaps — Interest rate swaps are recorded at fair value either as assets, within other assets or as liabilities, within other liabilities. The fair values of our interest rate swaps are provided by a third-party broker and are classified within Level 3.
	As of March 31, 2015, Level 3 fair value measurements of assets include $1,141,000 of equity securities in a local community bank whose value is based on an evaluation of the financial statements of the entity. The Company does not develop the unobservable inputs used in measuring fair value.
	As of March 31, 2015, Level 3 fair value measurements of liabilities include $1,415,000 net fair value of various interest rate swap agreements whose value is based on analysis provided by a third party broker who utilizes financial modeling tools and assumptions on interest and other factors. The Company does not develop the unobservable inputs used in measuring fair value. Additional information regarding the interest rate swap agreements is provided in Note 7.
	The table below presents a reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the three months ended March 31, 2015 (in thousands):
	For the three months ended March 31, 2015	Equity Securities Available-for-Sale			Interest Rate Swap
	Beginning balance	$	1,116		$	(1,238	)
	Total gains or losses (realized and unrealized):
	Included in earnings	—			—
	Included in other comprehensive income	25			(177		)
	Purchases:	—			—
	Sales:	—			—
	Issuances:	—			—
	Settlements:	—			—
	Transfers in/(out) of Level 3	—			—
	Ending balance	$	1,141		$	(1,415	)
	The amount of total gains or losses for the period included in earnings attributable to the change in unrealized gains or losses relating to assets and liabilities still held as of March 31, 2015:	$	—		$	—
	For the three months ended March 31, 2015, there were no assets or liabilities measured at fair values on a nonrecurring basis.
	Financial assets and liabilities measured at fair value on a recurring basis as of December 31, 2014 are summarized in the following table by the type of inputs applicable to the fair value measurements (in thousands):
		Fair Value Measurements at Reporting Date Using
	Description	Total			Level 1			Level 2		Level 3
	Financial Assets
	Fixed maturities available-for-sale
	Corporate debt securities	$	38,667		$	—		$	38,667	$	—
	Mortgage backed securities	12,752			—			12,752		—
	Private label mortgage backed securities	1,296			—			1,296		—
	Obligations of states and political subdivisions	15,899			—			15,899		—
	U.S. Treasury securities and obligations of U.S.	18,272			18,272			—		—
	Government corporations and agencies
	Trading securities	19			19			—		—
Equity securities available-for-sale	4,995			3,879			—		1,116
Total Financial Assets	$	91,900		$	22,170		$	68,614	$	1,116
Financial Liabilities
Interest rate swap	$	(1,238	)	$	—		$	—	$	(1,238	)
Total Financial Liabilities	$	(1,238	)	$	—		$	—	$	(1,238	)
The table below presents a reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended December 31, 2014 (in thousands):
For the year ended December 31, 2014	Equity Securities Available-for-Sale			Interest Rate Swap
Beginning balance	$	875		$	(897	)
Total gains or losses (realized and unrealized):
Included in earnings	—			—
Included in other comprehensive income	241			(341		)
Purchases:	—			—
Sales:	—			—
Issuances:	—			—
Settlements:	—			—
Transfers in/(out) of Level 3	—			—
Ending balance	$	1,116		$	(1,238	)
The amount of total gains or losses for the period included in earnings attributable to the change in unrealized gains or losses relating to assets and liabilities still held as of December 31, 2014:	$	—		$	—
For the year ended December 31, 2014, there were no assets or liabilities measured at fair values on a nonrecurring basis.
The Company is exposed to certain risks in the normal course of its business operations.  The primary risk that is managed through the use of derivatives is interest rate risk on floating rate borrowings.  This risk is managed through the use of interest rate swap agreements which are designated as cash flow hedges.  For cash flow hedges, the effective portion of the gain or loss on the interest rate swap is included as a component of other comprehensive income and reclassified into earnings in the same period during which the hedged transaction is recognized in earnings.  The Company does not hold or issue derivatives that are not designated as hedging instruments.  See Note 7 for additional information about the interest rate swap agreements.
The following methods and assumptions were used to estimate fair value of each class of financial instrument for which it is practical to estimate that value:
Cash and cash equivalents — the carrying amount is a reasonable estimate of fair value.
Fixed maturities held-to-maturity — the carrying amount is amortized cost; the fair values of the Company’s public fixed maturity securities that are classified as held-to-maturity are generally based on prices obtained from independent pricing services.
Mortgage loans — the carrying amount is a reasonable estimate of fair value due to the restrictive nature and limited marketability of the mortgage notes.
Policy loans — the carrying amount is a reasonable estimate of fair value.
Company owned life insurance — the carrying amount is a reasonable estimate of fair value.
Other invested assets — the carrying amount is a reasonable estimate of fair value.
Other policyholder funds — the carrying amount is a reasonable estimate of fair value.
Debt — the carrying amount is a reasonable estimate of fair value.
The carrying amount and estimated fair value of the Company’s financial instruments as of March 31, 2015 and December 31, 2014 are as follows (in thousands):
	March 31, 2015						December 31, 2014
	Carrying			Estimated			Carrying		Estimated
	Value			Fair Value			Value		Fair Value
Assets and related instruments
Held-to-maturity securities	$	2,767		$	2,905		$	3,108	$	3,182
Mortgage loans	208			208			210		210
Policy loans	1,556			1,556			1,530		1,530
Company owned life insurance	5,161			5,161			5,513		5,513
Other invested assets	3,484			3,484			3,553		3,553
Liabilities and related instruments
Other policyholder funds	1,525			1,525			1,510		1,510
Short-term notes payable and current portion of long-term debt	1,557			1,557			857		857
Long-term debt	17,515			17,515			18,715		18,715

Property_and_Equipment

Property and Equipment	3 Months Ended
	Mar. 31, 2015
Property, Plant and Equipment [Abstract]
Property and Equipment	PROPERTY AND EQUIPMENT
	Major categories of property and equipment are summarized as follows (dollars in thousands):
		March 31, 2015		31-Dec-14
	Building and improvements	$	3,348	$	3,367
	Electronic data processing equipment	1,606		1,570
	Furniture and fixtures	658		606
		5,612		5,543
	Less accumulated depreciation	3,577		3,530
	Property and equipment, net	$	2,035	$	2,013
	Depreciation expense for the three months ended March 31, 2015 was $47,000 ($306,000 for the year ended December 31, 2014).

Income_Taxes

Income Taxes	3 Months Ended
	Mar. 31, 2015
Income Tax Disclosure [Abstract]
Income Taxes	INCOME TAXES
	The Company recognizes tax-related interest and penalties as a component of tax expense.  The Company files income tax returns in the U.S. federal jurisdiction and various states.  The Company is not subject to examinations by authorities related to its U.S. federal or state income tax filings for years prior to 2009. Tax returns have been filed through the year 2013.
	Net deferred tax liabilities are determined based on the estimated future tax effects of differences between the financial statement and tax basis of assets and liabilities given the provisions of the enacted tax laws.  Management believes that, based on its historical pattern of taxable income, the Company will produce sufficient income in the future to realize its deferred tax assets.  The Company recognized net deferred tax asset positions of $3,055,000 at March 31, 2015 and $3,189,000 at December 31, 2014.
	The tax effect of significant differences representing deferred tax assets and liabilities are as follows (dollars in thousands):
		As of				As of
		31-Mar-15				31-Dec-14
	General expenses	$	1,415			$	1,371
	Unearned premiums	2,009				1,961
	Claims liabilities	863				849
	Litigation settlement	2,040				2,040
	AMT credit	1,121				1,240
	Impairment on real estate owned	187				187
	Unrealized loss on interest rate swaps	482				421
	Deferred tax assets	8,117				8,069
	Depreciation	(107		)		(111		)
	Deferred policy acquisition costs	(2,919		)		(2,921		)
	Unrealized gains on securities available-for-sale	(2,036		)		(1,848		)
	Deferred tax liabilities	(5,062		)		(4,880		)
	Net deferred tax asset	$	3,055			$	3,189
	The appropriate income tax effects of changes in temporary differences are as follows (dollars in thousands):
		Three months ended March 31,
		2015				2014
	Deferred policy acquisition costs	$	(2	)		$	(14	)
	Unearned premiums	(48		)		(76		)
	General expenses	(44		)		(5		)
	Depreciation	(4		)		(42		)
	Claims liabilities	(14		)		(42		)
	AMT credit	119				—
	NOL carryforward	—				375
	Deferred income tax expense	$	7			$	196
	Total income tax expense (benefit) varies from amounts computed by applying current federal income tax rates to income or loss before income taxes.  The reasons for these differences and the approximate tax effects are as follows:
		Three months ended March 31,
		2015			2014
	Federal income tax rate applied to pre-tax income/loss	34	%		34	%
	Dividends received deduction and tax-exempt interest	(1.5	)%		(2.4	)%
	Company owned life insurance	(0.8	)%		(0.8	)%
	Small life deduction	(3.2	)%		(11.4	)%
	AMT	—	%		1.9	%
	Other, net	(1.8	)%		0.8	%
	Effective federal income tax rate	26.7	%		22.1	%

Notes_Payable_and_LongTerm_Deb

Notes Payable and Long-Term Debt	3 Months Ended
	Mar. 31, 2015
Debt Disclosure [Abstract]
Notes Payable and Long-Term Debt	NOTES PAYABLE AND LONG-TERM DEBT
	Short-term debt and current portion of long-term debt consisted of the following as of March 31, 2015 and December 31, 2014 (dollars in thousands):
		2015		2014
	Line of credit with variable interest rate equal to the Wall Street Journal (WSJ) prime rate, subject to a 5.0% floor; maturity February 2016.  Interest payments due quarterly.  Unsecured.	$	700	$	—
	Current portion of installment note payable due November 2015 with variable interest rate equal to the WSJ prime rate plus 1%; Unsecured	857		857
		$	1,557	$	857
	Long-term debt consisted of the following as of March 31, 2015 and December 31, 2014 (dollars in thousands):
		2015		2014
	Line of credit with variable interest rate equal to the WSJ prime rate, subject to a 5.0% floor; maturity February 2016.  Interest payments due quarterly.  Unsecured.	$	—	$	700
	Line of credit with variable interest rate equal to the WSJ prime rate, subject to a 4.5% floor; maturity September 2017.  Interest payments due monthly.  Secured.	—		500
	Long term portion of installment note with variable interest rate equal to the WSJ prime rate plus 1% and adjustable each November; maturity November 2021. Interest payable annually with principal payable in equal annual installments. Next principal installment on long term portion due November 2015. Unsecured.	5,143		5,143
	Subordinated debentures issued on December 15, 2005 with fixed interest rate of 8.83% each distribution period thereafter until December 15, 2015 when the coupon rate shall equal the 3-Month LIBOR plus 3.75% applied to the outstanding principal; maturity December 2035.  Interest payments due quarterly.  All may be redeemed at any time following the tenth anniversary of issuance.  Unsecured.	9,279		9,279
	Subordinated debentures issued on June 21, 2007 with a floating interest rate equal to the 3-Month LIBOR plus 3.40% applied to the outstanding principal; maturity June 15, 2037. Interest payments due quarterly.  All may be redeemed at any time following the fifth anniversary of issuance.  Unsecured.	3,093		3,093
		$	17,515	$	18,715
	The Company has entered into various swap agreements related to the trust preferred securities. On March 19, 2009, the Company entered into a forward swap effective September 17, 2012, with a notional amount of $3,000,000 and designated the swap as a hedge against changes in cash flows attributable to changes in the benchmark interest rate (LIBOR) associated with the subordinated debentures issued June 21, 2007. Quarterly, commencing September 17, 2012, under the terms of the forward swap, the Company will pay interest at a fixed rate of 7.02% until March 15, 2019. On May 26, 2010, the Company entered into a forward swap with a notional amount of $9,000,000 effective December 15, 2015, which will hedge against changes in cash flows following the termination of the fixed rate period. Quarterly, commencing March 16, 2016 under the terms of the forward swap, the Company will pay interest at a fixed rate of 8.49% until March 15, 2020.
	The swaps entered into in 2009 and 2010 have fair values of $274,000 (liability) and $1,141,000 (liability), respectively, for a total liability of $1,415,000 at March 31, 2015 ($1,238,000 at December 31, 2014).  The swap liability is reported as a component of other liabilities on the condensed consolidated balance sheets.  A net valuation loss of $117,000 (net of tax) is included in accumulated other comprehensive income related to the swap agreements at March 31, 2015.  A net valuation loss of $412,000 (net of tax) was included in accumulated other comprehensive income related to the swap at December 31, 2014.
	We use dollar offset at the hedge's inception and for each reporting period thereafter to assess whether the derivative used in a hedging transaction is expected to be, and has been, effective in offsetting changes in the fair value of the hedged item. Since inception, no portion of the hedged item has been deemed ineffective. For all hedges, we discontinue hedge accounting if it is determined that a derivative is not expected to be, or has ceased to be, effective as a hedge.
	The Company’s interest rate swaps include provisions requiring the Company to post collateral when the derivative is in a net liability position.  At March 31, 2015, the Company has securities on deposit with fair market values of $1,518,000 (all of which is posted as collateral). At December 31, 2014, the Company had securities on deposit with fair market values of $1,494,000 (all of which is posted as collateral). See Note 4 for additional information about the interest rate swaps.

Reinsurance

Reinsurance	3 Months Ended
	Mar. 31, 2015
Reinsurance Disclosures [Abstract]
Reinsurance	REINSURANCE
	The Company's insurance operations utilize reinsurance in order to limit losses, minimize exposure to large risks, provide additional capacity for future growth and effect business-sharing arrangements. Life reinsurance is accomplished through yearly renewable term coverage. Property and casualty reinsurance is placed on an excess of loss basis to cover losses from catastrophe events. Reinsurance ceded arrangements do not discharge the insurance subsidiaries as the primary insurer, except for cases involving a novation. Failure of re-insurers to honor their obligations could result in losses to the insurance subsidiaries. The insurance subsidiaries evaluate the financial conditions of their reinsurance companies and monitor concentrations of credit risk arising from similar geographic regions, activities, or economic characteristics of the companies to minimize their exposure to significant losses from reinsurance insolvencies.
	In the normal course of business, NSFC seeks to reduce the loss that may arise from catastrophes or other individually significant large loss events that cause unfavorable underwriting results by re-insuring certain levels of risk in various areas of exposure with reinsurance companies.  NSFC maintains a catastrophe reinsurance agreement to cover losses from catastrophic events, primarily hurricanes.
	Under the catastrophe reinsurance program, the Company retains the first $4,000,000 in losses from each catastrophe event.  Catastrophe reinsurance coverage is maintained in three layers as follows:
	Layer	Reinsurers' Limits of Liability
	First Layer	100% of $13,500,000 in excess of $4,000,000
	Second Layer	100% of $25,000,000 in excess of $17,500,000
	Third Layer	100% of $30,000,000 in excess of $42,500,000
	Each reinsurance layer covers events occurring from January 1 through December 31 of the contract year.  All significant reinsurance companies under the program carry A.M. Best ratings of A- (Excellent) or higher, or equivalent ratings.
	The Company's catastrophe reinsurance contract allows for one reinstatement. The Company maintains reinstatement premium protection (RPP) to cover reinstatement premiums incurred. The RPP further reduces risk from a major catastrophe and serves to strengthen the Company's capital position by reducing the modeled 100 year event net cost.
	Amounts recoverable from re-insurers are estimated in a manner consistent with the claim liability associated with the underlying insurance policies.  Amounts paid for prospective reinsurance contracts are reported as prepaid reinsurance premiums and amortized over the remaining contract period.
	In the normal course of business, NSIC seeks to limit its exposure to loss on any single insured and to recover a portion of benefits paid by ceding reinsurance to reinsurance companies under excess coverage contracts.  NSIC retains a maximum of $50,000 of coverage per individual life.  The cost of reinsurance is amortized over the contract period of the reinsurance.
	At March 31, 2015, the largest reinsurance recoverable of a single reinsurer was $24,000 ($37,000 at December 31, 2014). Amounts reported as ceded incurred losses in both 2015 and 2014 were related to the development of losses from prior year catastrophes.

Employee_Benefit_Plans

Employee Benefit Plans	3 Months Ended
	Mar. 31, 2015
Compensation and Retirement Disclosure [Abstract]
Employee Benefit Plans	EMPLOYEE BENEFIT PLANS
	The Company and its subsidiaries have an established retirement savings plan (401K Plan). All full-time employees are eligible to participate, and all employer contributions are fully vested for employees who have completed 1,000 hours of service in the year of contribution. Company matching contributions for the three months ended March 31, 2015 and 2014 amounted to $43,000 and $46,000, respectively. The Company contributes dollar-for-dollar matching contributions up to 5% of compensation subject to government limitations.
	In January 2006, the Company established a non-qualified plan under which directors are allowed to defer all or a portion of directors' fees into various investment options.
	The supplemental executive retirement plan (SERP) became effective March 1, 2008 and covers named executive officers with the Company contributing 15% of executive compensation to the plan. Contributions to the plan are fully vested upon the earlier of death, disability, change in control, or ten years of participation in the plan. Costs for amounts credited to the non-qualified deferred compensation plans for the three months ended March 31, 2015 and 2014 amounted to approximately $45,000 and $30,000, respectively.
	The Company and its subsidiaries established an Employee Stock Ownership Plan (ESOP) in January 2010, to enable its eligible employees to acquire a proprietary interest in the Company's common stock and to provide retirement and other benefits to such employees. There were no costs incurred during the first three months of 2015 and $50,000 in costs incurred during the first three months of 2014 related to ESOP plan contributions. All contributions were made in cash for purchase of Company shares in the open market. The Company has not allocated shares directly to the plan and the plan has no debt.

Shareholders_Equity

Shareholders' Equity	3 Months Ended
	Mar. 31, 2015
Stockholders' Equity Note [Abstract]
Stockholders' Equity	SHAREHOLDERS' EQUITY
	During the three months ended March 31, 2015, and year ended December 31, 2014, changes in shareholders' equity consisted of net income of $1,308,000 and $7,616,000, respectively; dividends paid of $100,000 in 2015 and $300,000 in 2014; changes in accumulated other comprehensive income, net of applicable taxes, of $248,000 in 2015 and other comprehensive income, net of applicable taxes, of $1,836,000 in 2014.  Other comprehensive gains and loss consisted of accumulated unrealized gains and losses on securities available for sale and unrealized loss on interest rate swaps.
	Preferred Stock
	Preferred Stock may be issued in one or more series as shall from time to time be determined and authorized by the Board of Directors. The directors may make specific provisions regarding (a) the voting rights, if any (b) whether such dividends are to be cumulative or noncumulative (c) the redemption provisions, if any (d) participating rights, if any (e) any sinking fund or other retirement provisions (f) dividend rates (g) the number of shares of such series and (h) liquidation preference.
	Common Stock
	The holders of the Class A Common Stock will have one-twentieth of one vote per share, and the holders of the common stock will have one vote per share. There is currently no Class A Common Stock issued or outstanding.
	In the event of any liquidation, dissolution or distribution of the assets of the Company remaining after the payments to the holders of the Preferred Stock of the full preferential amounts to which they may be entitled as provided in the resolution or resolutions creating any series thereof, the remaining assets of the Company shall be divided and distributed among the holders of both classes of common stock, except as may otherwise be provided in any such resolution or resolutions.
	The table below provides information regarding the Company's preferred and common stock as of March 31, 2015 and December 31, 2014:
		Authorized	Issued	Outstanding
	Preferred Stock, $1 par value	500,000	—	—
	Class A Common Stock, $1 par value	2,000,000	—	—
	Common Stock, $1 par value	3,000,000	2,507,452	2,507,452

Accumulated_Other_Comprehensiv

Accumulated Other Comprehensive Income	3 Months Ended
	Mar. 31, 2015
Equity [Abstract]
Accumulated Other Comprehensive Income	ACCUMULATED OTHER COMPREHENSIVE INCOME
	Accumulated other comprehensive income (loss) ("AOCI") includes certain items that are reported directly within a separate component of shareholders' equity. The following table presents changes in AOCI balances (dollars in thousands):
		Three months ended
		March 31,
		2015			2014
	Gains and Losses on Cash Flow Hedges
	Balance at beginning of period	$	(816	)	$	(591	)
	Other comprehensive income (loss) for period:
	Other comprehensive income (loss) before reclassifications	(117		)	(76		)
	Amounts reclassified from accumulated other comprehensive income	—			—
	Net current period other comprehensive income (loss)	(117		)	(76		)
	Balance at end of period	$	(933	)	$	(667	)
	Unrealized Gains and Losses on Available-for-Sale Securities
	Balance at beginning of period	$	3,588		$	1,527
	Other comprehensive income (loss) for period:
	Other comprehensive income before reclassifications	459			1,132
	Amounts reclassified from accumulated other comprehensive income	(94		)	(59		)
	Net current period other comprehensive income	365			1,073
	Balance at end of period	$	3,953		$	2,600
	Total Accumulated Other Comprehensive Income at end of period	$	3,020		$	1,933
	The following table presents the amounts reclassified out of AOCI for the three months ended March 31, 2015 (dollars in thousands):
	Details about Accumulated Other Comprehensive Income Components	Amounts Reclassified from Accumulated Other Comprehensive Income			Affected Line Item in the Statement Where Net Income is Presented
	Unrealized Gains and Losses on	$	142		Net realized investment gains
	Available-for-Sale Securities
		142			Total before tax
		(48		)	Tax (expense) or benefit
		$	94		Net of Tax
	The following table presents the amounts reclassified out of AOCI for the three months ended March 31, 2014 (dollars in thousands):
	Details about Accumulated Other Comprehensive Income Components	Amounts Reclassified from Accumulated Other Comprehensive Income			Affected Line Item in the Statement Where Net Income is Presented
	Unrealized Gains and Losses on	$	88		Net realized investment gains
	Available-for-Sale Securities
		88			Total before tax
		(29		)	Tax (expense) or benefit
		$	59		Net of Tax

Segments

Segments	3 Months Ended
	Mar. 31, 2015
Segment Reporting, Disclosure of Entity's Reportable Segments [Abstract]
Segments	SEGMENTS
	The Company’s property and casualty insurance operations comprise one business segment. The property and casualty insurance segment primarily underwrites home insurance coverage with primary lines of business consisting of:  dwelling fire and extended coverage, homeowners (including mobile homeowners) and other liability. The Company has ceased writing ocean marine coverages and no policies were in-force in this line of business during 2015.
	Management organizes the business utilizing a niche strategy focusing on lower valued dwellings.  Our chief decision makers (Chief Executive Officer, Chief Financial Officer and President) review results and operating plans making decisions on resource allocations on a company-wide basis.  The Company’s products are primarily produced through agents within the states in which we operate.
	The Company’s life and accident and health operations comprise the second business segment.  The life and accident and health insurance segment consists of two lines of business: traditional life insurance and accident and health insurance.
	Total assets by industry segment at March 31, 2015 and at December 31, 2014 are summarized below (dollars in thousands):
			Total				P&C Insurance Operations				Life Insurance Operations			Non-Insurance Operations
	31-Mar-15
			$	147,016			$	82,573			$	56,827		$	7,616
	31-Dec-14
			$	144,865			$	81,648			$	56,541		$	6,676
	Premium revenues and operating income by business segment for the three months ended March 31, 2015 and 2014 are summarized below (dollars in thousands):
	Three months ended March 31, 2015	Total				P&C Insurance Operations				Life Insurance Operations			Non-Insurance Operations
	REVENUE
	Net premiums earned	$	14,706			$	13,122			$	1,584		$	—
	Net investment income	974				490				465			19
	Net realized investment gains (losses)	142				31				111			—
	Other income	158				157				1			—
		15,980				13,800				2,161			19
	BENEFITS AND EXPENSES
	Policyholder benefits paid	8,262				6,777				1,485			—
	Amortization of deferred policy acquisition costs	899				675				224			—
	Commissions	2,055				1,968				87			—
	General and administrative expenses	2,006				1,540				309			157
	Taxes, licenses and fees	655				544				111			—
	Interest expense	317				—				10			307
		14,194				11,504				2,226			464
	Income (Loss) Before Income Taxes	$	1,786			$	2,296			$	(65	)	$	(445	)
	Three months ended March 31, 2014	Total				P&C Insurance Operations				Life Insurance Operations			Non-Insurance Operations
	REVENUE
	Net premiums earned	$	13,824			$	12,173			$	1,651		$	—
	Net investment income	948				455				474			19
	Net realized investment gains	88				48				40			—
	Other income	154				153				1			—
		15,014				12,829				2,166			19
	BENEFITS AND EXPENSES
	Policyholder benefits paid	7,864				6,664				1,200			—
	Amortization of deferred policy acquisition costs	898				641				257			—
	Commissions	2,027				1,945				82			—
	General and administrative expenses	2,026				1,457				460			109
	Taxes, licenses and fees	530				464				66			—
	Interest expense	386				—				17			369
		13,731				11,171				2,082			478
	Income Before Income Taxes	$	1,283			$	1,658			$	84		$	(459	)
	The following table presents the Company’s gross and net premiums written for the property and casualty segment and the life and accident and health segment for the three months ended March 31, 2015 and 2014, respectively:
			Three months ended
			March 31,
			2015				2014
	Life, accident and health operations premiums written:
	Traditional life insurance		$	1,137			$	1,179
	Accident and health insurance		419				444
	Gross life, accident and health		1,556				1,623
	Reinsurance premium ceded		(15		)		(23		)
	Net life, accident and health premiums written		$	1,541			$	1,600
	Property and Casualty operations premiums written:
	Dwelling fire & extended coverage		$	8,728			$	8,329
	Homeowners (Including mobile homeowners)		5,751				5,749
	Other liability		505				469
	Gross property and casualty		14,984				14,547
	Reinsurance premium ceded		(1,491		)		(1,755		)
	Net property and casualty written		$	13,493			$	12,792
	Consolidated gross premiums written		$	16,540			$	16,170
	Reinsurance premium ceded		(1,506		)		(1,778		)
	Consolidated net premiums written		$	15,034			$	14,392
	The following table presents the Company’s gross and net premiums earned for the property and casualty segment and the life and accident and health segment three months ended March 31, 2015 and 2014, respectively:
		Three months ended
		March 31,
		2015				2014
Life, accident and health operations premiums earned:
Traditional life insurance		$	1,178			$	1,243
Accident and health insurance		421				431
Gross life, accident and health		1,599				1,674
Reinsurance premium ceded		(15		)		(23		)
Net life, accident and health premiums earned		$	1,584			$	1,651
Property and Casualty operations premiums earned:
Dwelling fire & extended coverage		$	8,200			$	7,670
Homeowners (Including mobile homeowners)		5,948				5,831
Other liability		465				427
Gross property and casualty		14,613				13,928
Reinsurance premium ceded		(1,491		)		(1,755		)
Net property and casualty earned		$	13,122			$	12,173
Consolidated gross premiums earned		$	16,212			$	15,602
Reinsurance premium ceded		(1,506		)		(1,778		)
Consolidated net premiums earned		$	14,706			$	13,824

Contingencies

Contingencies	3 Months Ended
	Mar. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
Contingencies	CONTINGENCIES
	The Company and its subsidiaries continue to be named individually as parties to litigation related to the conduct of their insurance operations.  These suits involve alleged breaches of contracts, torts, including bad faith and fraud claims based on alleged wrongful or fraudulent acts of the Company's subsidiaries, and other miscellaneous causes of action.
	The Company's property & casualty subsidiaries are defending a limited number of matters filed in the aftermath of Gustav and Ike in Texas.  These actions include individual lawsuits with allegations of underpayment of hurricane-related claims.
	The various suits seek a variety of remedies, including actual and/or punitive damages in unspecified amounts and/or declaratory relief.  The Company has reserves set up on litigated claims and the reserves are included in benefit and loss reserves.

Supplemental_Cash_Flow_Informa

Supplemental Cash Flow Information	3 Months Ended
	Mar. 31, 2015
Supplemental Cash Flow Elements [Abstract]
Supplemental Cash Flow Information	SUPPLEMENTAL CASH FLOW INFORMATION
	Cash paid for interest during the three months ended March 31, 2015 was $280,000 ($289,000 in 2014). Cash paid for income taxes during the three months ended March 31, 2015 was $500,000 ($50,000 in 2014).

Subsequent_Events

Subsequent Events	3 Months Ended
	Mar. 31, 2015
Subsequent Events [Abstract]
Subsequent Events	SUBSEQUENT EVENTS
	Management has evaluated subsequent events and their potential effects on these condensed consolidated financial statements through the filing date of this Form 10-Q.

Significant_Accounting_Policie1

Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2015
Accounting Policies [Abstract]
Principles of Consolidation and Basis of Presentation	The accompanying condensed consolidated financial statements include the accounts of The National Security Group, Inc. (the Company) and its wholly-owned subsidiaries:  National Security Insurance Company (NSIC), National Security Fire and Casualty Company (NSFC) and NATSCO, Inc. (NATSCO).  NSFC includes a wholly-owned subsidiary, Omega One Insurance Company (Omega).  The accompanying condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (GAAP).  In the opinion of management, all adjustments, consisting of normal and recurring items, necessary for the fair presentation of the condensed consolidated financial statements have been included. All significant intercompany transactions and accounts have been eliminated. The financial information presented herein should be read in conjunction with the Company’s Annual
	Report on Form 10-K for the year ended December 31, 2014, which includes information and disclosures not presented
	herein.
Use of Estimates	The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the condensed consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Among the more significant estimates included in these condensed consolidated financial statements are reserves for future life insurance policy benefits, liabilities for losses and loss adjustment expenses, reinsurance recoverable associated with loss and loss adjustment expense liabilities, deferred policy acquisition costs, deferred income tax assets and liabilities, assessments of other-than-temporary impairments on investments and accruals for contingencies.  Actual results could differ from these estimates.
Earnings Per Share	Earnings per share of common stock is based on the weighted average number of shares outstanding during each year. The adjusted weighted average shares outstanding were 2,507,452 in 2015 and 2,494,480 in 2014.
Reclassifications	Certain 2014 amounts have been reclassified from the prior year consolidated financial statements to conform to the 2015 presentation.
Concentration of Credit Risk	The Company maintains cash balances which are generally held in non-interest bearing demand deposit accounts subject to FDIC insured limits of $250,000 per entity. At March 31, 2015, the net amount exceeding FDIC insured limits was $3,924,000 at one financial institution. The Company has not experienced any losses in such accounts. Management of the Company reviews financial information of financial institutions on a quarterly basis and believes the Company is not exposed to any significant credit risk on cash and cash equivalents.
	Policy receivables are reported at unpaid balances. Policy receivables are generally offset by associated unearned premium liabilities and are not subject to significant credit risk. Receivables from agents, less provision for credit losses, are composed of balances due from independent agents. At March 31, 2015, the single largest balance due from one agent totaled $937,000.
	Reinsurance contracts do not relieve the Company of its obligations to policyholders. A failure of a reinsurer to meet their obligation could result in losses to the insurance subsidiaries. Allowances for losses are established if amounts are believed to be uncollectible. At March 31, 2015 and December 31, 2014, no amounts were deemed uncollectible. The Company, at least annually, evaluates the financial condition of all reinsurers and evaluates any potential concentrations of credit risk. At March 31, 2015, management does not believe the Company is exposed to any significant credit risk related to its reinsurance program.
Recently Adopted Accounting Standards	Accounting Changes Not Yet Adopted
	Revenue from Contracts with Customers
	In May 2014, the Financial Accounting Standards Board (FASB) issued guidance on a comprehensive new revenue recognition standard. This standard will not impact accounting for insurance contracts, leases, financial instruments and guarantees. For those contracts that are impacted by the new guidance, the guidance will require an entity to recognize revenue upon the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled to, in exchange for those goods or services. The guidance requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract. This guidance is effective retrospectively for fiscal years beginning after December 15, 2016 and interim periods within those years. Early adoption of this standard is not permitted. Although insurance contracts are specifically scoped out of this new guidance, the Company has minor services that may be subject to the new revenue recognition guidance and are still in the process of evaluating the impact, if any, the guidance may have on its consolidated financial statements.
	Presentation of Financial Statements - Going Concern
	In August 2014, the FASB issued guidance on determining when and how to disclose going concern uncertainties in the financial statements, and requires management to perform interim and annual assessments of an entity’s ability to continue as a going concern within one year of the date the financial statements are issued. The updated guidance is effective for annual periods ending after December 15, 2016 and interim periods thereafter. Early adoption is permitted. The Company does not expect the adoption to have a material impact on its financial position or results of operations.
	Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items
	In January 2015, the FASB issued guidance that eliminates from GAAP the concept of extraordinary items. The guidance is effective for fiscal periods ending after December 15, 2015 and interim periods thereafter. Early adoption is permitted. The Company does not expect the adoption to have a material impact on its financial position or results of operations.
	Amendments to the Consolidation Analysis
	In February 2015, the FASB issued additional guidance regarding the consolidation of certain legal entities. The guidance modifies the evaluation of whether or not limited partnerships and similar legal entities are variable interest entities (VIEs) and the consolidation analysis of entities involved with VIEs, particularly those that have fee arrangements and related party relationships. This guidance is effective for fiscal years beginning after December 15, 2015. The Company does not expect the adoption to have a material impact on its financial position or results of operations.
	Recently Adopted Accounting Standards
	Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures
	In June 2014, the FASB issued guidance requiring secured borrowing accounting treatment for repurchase-to-maturity transactions and provides guidance on accounting for repurchase financing arrangements. This ASU is effective for interim and annual reporting periods beginning after December 15, 2014. The Company adopted this standard on January 1, 2015. The Company is the counter party to repurchase agreements and as such, the adoption did not have a material impact on its financial position or results of operations.
	Reporting Discontinued Operations and Disclosure of Disposals of components of an Entity
	In April 2014, the FASB issued guidance which modifies the definition of discontinued operations by limiting discontinued operations reporting to disposals of components of an entity that represent strategic shifts that have (or will have) a major effect on an entity’s operations and financial results. Also, this update requires additional financial statement disclosures about discontinued operations, as well as disposals of an individually significant component of an entity that do not qualify for discontinued operations presentation. This ASC update is effective for all disposals (or classifications as held for sale) of components of an entity that occur within annual and interim periods beginning on or after December 15, 2014 and for all businesses that, on acquisition, are classified as held for sale that also occur within interim and annual periods beginning on or after December 15, 2014. The Company adopted this standard on January 1, 2015. The Company has no discontinued operations, and the adoption of this standard did not have a material impact on its financial position or results of operations.
Consolidation, Variable Interest Entity	The Company holds a passive interest in a limited partnership that is considered to be a Variable Interest Entity (VIE) under the provisions of ASC 810 Consolidation. The Company is not the primary beneficiary of the entity and is not required to consolidate under ASC 810. The entity is a private placement investment fund formed for the purpose of investing in private equity investments. The Company owns less than 1% of the limited partnership. The carrying value of the investment totals $294,000 and is included as a component of Other Invested Assets in the accompanying condensed consolidated balance sheets.
Marketable Securities	For securities in an unrealized loss position, the Company assesses whether the Company has the intent to sell the security or more-likely-than-not will be required to sell the security before the anticipated recovery.  If either of these conditions is met, the Company is required to recognize an other-than-temporary impairment with the entire unrealized loss reported in earnings.  For securities in an unrealized loss position that do not meet these conditions, the Company assesses whether the impairment of a security is other-than-temporary.  If the impairment is determined to be other-than-temporary, the Company is required to separate the other-than-temporary impairments into two components:  the amount representing the credit loss and the amount related to all other factors.  The credit loss is the portion of the amortized book value in excess of the net present value of the projected future cash flows discounted at the effective interest rate implicit in the debt security prior to impairment.  The credit loss component of other-than-temporary impairments is reported in earnings, whereas the amount relating to factors other than credit losses are recorded in other comprehensive income, net of taxes.
	In evaluating whether or not the equity loss positions were other-than-temporary impairments, Management evaluated financial information on each company and where available, reviewed analyst reports from at least two independent sources.
Fair Value	Fixed maturities available-for-sale — The fair values of the Company’s public fixed maturity securities are generally based on prices obtained from independent pricing services. Consistent with the fair value hierarchy described above, securities with validated quotes from pricing services are generally reflected within Level 2, as they are primarily based on observable pricing for similar assets and/or other market observable inputs.
	Trading securities — Trading securities consist primarily of mutual funds whose fair values are determined consistent with similar instruments described above under “Fixed Maturities” and below under “Equity Securities.”
	Equity securities — Equity securities consist principally of investments in common and preferred stock of publicly traded companies and privately traded securities. The fair values of our publicly traded equity securities are based on quoted market prices in active markets for identical assets and are classified within Level 1 in the fair value hierarchy.
	Estimated fair values for our privately traded equity securities require a substantial level of judgment. Privately traded equity securities are classified within Level 3.
	Interest rate swaps — Interest rate swaps are recorded at fair value either as assets, within other assets or as liabilities, within other liabilities. The fair values of our interest rate swaps are provided by a third-party broker and are classified within Level 3.
	Our available-for-sale securities consists of fixed maturity and equity securities which are recorded at fair value in the accompanying condensed consolidated balance sheets.  The change in the fair value of these investments, unless deemed to be other-than-temporarily impaired, is recorded as a component of other comprehensive income.
	We are permitted to elect to measure financial instruments and certain other items at fair value, with the change in fair value recorded in earnings.  We elected not to measure any eligible items using the fair value option.
	Accounting standards define fair value as the price that would be received to sell an asset or would be paid to transfer a liability in an orderly transaction between market participants at the measurement date, and establishes a framework to make the measurement of fair value more consistent and comparable.  In determining fair value, we primarily use prices and other relevant information generated by market transactions involving identical or comparable assets.
	The Company categorizes assets and liabilities carried at their fair value based upon a fair value hierarchy:
	Level 1 – Quoted prices in active markets for identical assets or liabilities that the Company has the ability to access at the measurement date.
	Level 1 assets and liabilities consist of money market fund deposits and certain of our marketable debt and equity instruments, including equity instruments offsetting deferred compensation, that are traded in an active market with sufficient volume and frequency of transactions.
	Level 2 - Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets with insufficient volume or infrequent transactions (less active markets); or model-derived valuations in which all significant inputs are observable or can be derived principally from or corroborated by observable market data for substantially the full term of the assets or liabilities.
	Level 2 assets include certain of our marketable debt and equity instruments with quoted market prices that are traded in less active markets or priced using a quoted market price for similar instruments. Level 2 assets also include marketable equity instruments with security-specific restrictions that would transfer to the buyer, marketable debt instruments priced using indicator prices which represent non-binding market consensus prices that can be corroborated by observable market quotes, as well as derivative contracts and debt instruments priced using inputs that are observable in the market or can be derived principally from or corroborated by observable market data.  Marketable debt instruments in this category generally include commercial paper, bank time deposits, repurchase agreements for fixed-income instruments, and a majority of floating-rate notes, corporate bonds, and municipal bonds.
	Level 3 - Unobservable inputs to the valuation methodology that are significant to the measurement of fair value of assets or liabilities.
	Level 3 assets and liabilities include marketable debt instruments, non-marketable equity investments, derivative contracts, and company issued debt whose values are determined using inputs that are both unobservable and significant to the values of the instruments being measured. Level 3 assets also include marketable debt instruments that are priced using indicator prices that we were unable to corroborate with observable market quotes.
	Marketable debt instruments in this category generally include asset-backed securities and certain floating-rate notes, corporate bonds, and municipal bonds.
	The following methods and assumptions were used to estimate fair value of each class of financial instrument for which it is practical to estimate that value:
	Cash and cash equivalents — the carrying amount is a reasonable estimate of fair value.
	Fixed maturities held-to-maturity — the carrying amount is amortized cost; the fair values of the Company’s public fixed maturity securities that are classified as held-to-maturity are generally based on prices obtained from independent pricing services.
	Mortgage loans — the carrying amount is a reasonable estimate of fair value due to the restrictive nature and limited marketability of the mortgage notes.
	Policy loans — the carrying amount is a reasonable estimate of fair value.
	Company owned life insurance — the carrying amount is a reasonable estimate of fair value.
	Other invested assets — the carrying amount is a reasonable estimate of fair value.
	Other policyholder funds — the carrying amount is a reasonable estimate of fair value.
	Debt — the carrying amount is a reasonable estimate of fair value.
Derivatives	The Company is exposed to certain risks in the normal course of its business operations.  The primary risk that is managed through the use of derivatives is interest rate risk on floating rate borrowings.  This risk is managed through the use of interest rate swap agreements which are designated as cash flow hedges.  For cash flow hedges, the effective portion of the gain or loss on the interest rate swap is included as a component of other comprehensive income and reclassified into earnings in the same period during which the hedged transaction is recognized in earnings.  The Company does not hold or issue derivatives that are not designated as hedging instruments.
	The swap liability is reported as a component of other liabilities on the condensed consolidated balance sheets.
	We use dollar offset at the hedge's inception and for each reporting period thereafter to assess whether the derivative used in a hedging transaction is expected to be, and has been, effective in offsetting changes in the fair value of the hedged item. Since inception, no portion of the hedged item has been deemed ineffective. For all hedges, we discontinue hedge accounting if it is determined that a derivative is not expected to be, or has ceased to be, effective as a hedge.
Income Taxes	Net deferred tax liabilities are determined based on the estimated future tax effects of differences between the financial statement and tax basis of assets and liabilities given the provisions of the enacted tax laws.
	The Company recognizes tax-related interest and penalties as a component of tax expense.
Reinsurance	Amounts recoverable from re-insurers are estimated in a manner consistent with the claim liability associated with the underlying insurance policies.  Amounts paid for prospective reinsurance contracts are reported as prepaid reinsurance premiums and amortized over the remaining contract period.
	In the normal course of business, NSIC seeks to limit its exposure to loss on any single insured and to recover a portion of benefits paid by ceding reinsurance to reinsurance companies under excess coverage contracts.  NSIC retains a maximum of $50,000 of coverage per individual life.  The cost of reinsurance is amortized over the contract period of the reinsurance.
	The Company's insurance operations utilize reinsurance in order to limit losses, minimize exposure to large risks, provide additional capacity for future growth and effect business-sharing arrangements. Life reinsurance is accomplished through yearly renewable term coverage. Property and casualty reinsurance is placed on an excess of loss basis to cover losses from catastrophe events. Reinsurance ceded arrangements do not discharge the insurance subsidiaries as the primary insurer, except for cases involving a novation. Failure of re-insurers to honor their obligations could result in losses to the insurance subsidiaries. The insurance subsidiaries evaluate the financial conditions of their reinsurance companies and monitor concentrations of credit risk arising from similar geographic regions, activities, or economic characteristics of the companies to minimize their exposure to significant losses from reinsurance insolvencies.
	In the normal course of business, NSFC seeks to reduce the loss that may arise from catastrophes or other individually significant large loss events that cause unfavorable underwriting results by re-insuring certain levels of risk in various areas of exposure with reinsurance companies.  NSFC maintains a catastrophe reinsurance agreement to cover losses from catastrophic events, primarily hurricanes.
Business Segment	The Company’s life and accident and health operations comprise the second business segment.  The life and accident and health insurance segment consists of two lines of business: traditional life insurance and accident and health insurance.
	The Company’s property and casualty insurance operations comprise one business segment. The property and casualty insurance segment primarily underwrites home insurance coverage with primary lines of business consisting of:  dwelling fire and extended coverage, homeowners (including mobile homeowners) and other liability. The Company has ceased writing ocean marine coverages and no policies were in-force in this line of business during 2015.

Investments_Tables

Investments (Tables)	3 Months Ended
	Mar. 31, 2015
Investments [Abstract]
Schedule of Amortized Cost and Aggregate Fair Values of Investments in Available-for-Sale Securities	The amortized cost and aggregate fair values of investments in available-for-sale securities as of March 31, 2015 are as follows (dollars in thousands):
	Available-for-sale securities:		Amortized			Gross			Gross		Fair
			Cost			Unrealized			Unrealized		Value
						Gains			Losses
	Corporate debt securities		$	36,570		$	1,904		$	311	$	38,163
	Mortgage backed securities		11,998			297			132		12,163
	Private label mortgage backed securities		5,111			42			73		5,080
	Obligations of states and political subdivisions		14,885			1,043			4		15,924
	U.S. Treasury securities and obligations of U.S. Government corporations and agencies		17,890			727			46		18,571
	Total fixed maturities		86,454			4,013			566		89,901
	Equity securities		2,420			2,690			146		4,964
	Total		$	88,874		$	6,703		$	712	$	94,865
	The amortized cost and aggregate fair values of investments in available-for-sale securities as of December 31, 2014 are as follows (dollars in thousands):
	Available-for-sale securities:		Amortized			Gross			Gross		Fair
			Cost			Unrealized			Unrealized		Value
						Gains			Losses
	Corporate debt securities		$	37,299		$	1,773		$	405	$	38,667
	Mortgage backed securities		12,691			214			153		12,752
	Private label mortgage backed securities		1,261			38			3		1,296
	Obligations of states and political subdivisions		14,919			993			13		15,899
	U.S. Treasury securities and obligations of U.S. Government corporations and agencies		17,854			525			107		18,272
	Total fixed maturities		84,024			3,543			681		86,886
	Equity securities		2,420			2,745			170		4,995
	Total		$	86,444		$	6,288		$	851	$	91,881
Schedule of Amortized Cost and Aggregate Fair Values of Investments in Held-to-Maturity Securities	The amortized cost and aggregate fair values of investments in held-to-maturity securities as of March 31, 2015 are as follows (dollars in thousands):
	Held-to-maturity securities:		Amortized			Gross			Gross		Fair
			Cost			Unrealized			Unrealized		Value
						Gains			Losses
	Mortgage backed securities		$	2,708		$	134		$	—	$	2,842
	U.S. Treasury securities and obligations of U.S. Government corporations and agencies		59			4			—		63
	Total		$	2,767		$	138		$	—	$	2,905
	The amortized cost and aggregate fair values of investments in held-to-maturity securities as of December 31, 2014 are as follows (dollars in thousands):
	Held-to-maturity securities:		Amortized			Gross			Gross		Fair
			Cost			Unrealized			Unrealized		Value
						Gains			Losses
	Mortgage backed securities		$	2,818		$	69		$	—	$	2,887
	U.S. Treasury securities and obligations of U.S. Government corporations and agencies		290			5			—		295
	Total		$	3,108		$	74		$	—	$	3,182
Schedule of Amortized Cost and Aggregate Fair Value of Debt Securities, by Contractual Maturity	The amortized cost and aggregate fair value of debt securities at March 31, 2015, by contractual maturity, are presented in the following table (dollars in thousands).  Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
	(Dollars in Thousands)		Amortized			Fair
			Cost			Value
	Available-for-sale securities:
	Due in one year or less		$	1,209		$	1,220
	Due after one year through five years		17,042			18,112
	Due after five years through ten years		29,435			30,121
	Due after ten years		38,768			40,448
	Total		$	86,454		$	89,901
	Held-to-maturity securities:
	Due in one year or less		$	—		$	—
	Due after one year through five years		134			141
	Due after five years through ten years		129			141
	Due after ten years		2,504			2,623
	Total		$	2,767		$	2,905
Schedule of Securities Available-for-Sale with Unrealized Losses	A summary of securities available-for-sale with unrealized losses as of December 31, 2014, along with the related fair value, aggregated by the length of time that investments have been in a continuous unrealized loss position, is as follows (dollars in thousands):
			Less than 12 months						12 months or longer				Total
	December 31, 2014		Fair			Gross			Fair		Gross		Fair		Gross		Total
			Value			Unrealized			Value		Unrealized		Value		Unrealized		Securities in a Loss Position
						Losses					Losses				Losses
	Fixed maturities
	Corporate debt securities		$	6,306		$	364		$	1,843	$	41	$	8,149	$	405	18
	Mortgage backed securities		1,386			4			1,855		149		3,241		153		12
	Private label mortgage backed securities		—			—			97		3		97		3		1
	Obligations of state and political subdivisions		—			—			651		13		651		13		2
	U.S. Treasury securities and obligations of U.S. Government corporations and agencies		1,475			6			3,499		101		4,974		107		10
	Equity securities		—			—			1,116		170		1,116		170		1
			$	9,167		$	374		$	9,061	$	477	$	18,228	$	851	44
	A summary of securities available-for-sale with unrealized losses as of March 31, 2015, along with the related fair value, aggregated by the length of time that investments have been in a continuous unrealized loss position, is as follows (dollars in thousands):
			Less than 12 months						12 months or longer				Total
	March 31, 2015		Fair			Gross			Fair		Gross		Fair		Gross		Total
			Value			Unrealized			Value		Unrealized		Value		Unrealized		Securities in a Loss Position
						Losses					Losses				Losses
	Fixed maturities
	Corporate debt securities		$	4,612		$	304		$	865	$	7	$	5,477	$	311	11
	Mortgage backed securities		153			2			1,225		130		1,378		132		6
	Private label mortgage backed securities		3,924			70			91		3		4,015		73		7
	Obligations of state and political subdivisions		—			—			338		4		338		4		1
	U.S. Treasury securities and obligations of U.S. Government corporations and agencies		—			—			2,492		46		2,492		46		4
	Equity securities		—			—			1,140		146		1,140		146		1
			$	8,689		$	376		$	6,151	$	336	$	14,840	$	712	30
Summary of Major Categories of Investment Income	Major categories of investment income are summarized as follows (dollars in thousands):
			Three months ended March 31,
			2015			2014
	Fixed maturities		$	894		$	859
	Equity securities		30			29
	Mortgage loans on real estate		4			4
	Investment real estate		2			2
	Policy loans		29			27
	Company owned life insurance change in surrender value		44			30
	Other		42			54
			1,045			1,005
	Less: Investment expenses		71			57
	Net investment income		$	974		$	948
Schedule of Realized Investments Gains (Losses)	Major categories of investment gains and losses are summarized as follows (dollars in thousands):
			Three months ended March 31,
			2015			2014
	Fixed maturities		$	142		$	90
	Other, principally real estate		—			(2		)
	Net realized investment gains		$	142		$	88
Schedule of Net Change in Unrealized Appreciation	An analysis of the net change in unrealized appreciation on available-for-sale securities follows (dollars in thousands):
		31-Mar-15			31-Dec-14
	Net change in unrealized appreciation on available-for-sale securities before deferred tax	$	553		$	3,123
	Deferred income tax	(188		)	(1,062		)
	Net change in unrealized appreciation on available-for-sale securities	$	365		$	2,061

Fair_Value_of_Financial_Assets1

Fair Value of Financial Assets and Financial Liabilities (Tables)	3 Months Ended
	Mar. 31, 2015
Fair Value Disclosures [Abstract]
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis	Financial assets and liabilities measured at fair value on a recurring basis as of March 31, 2015 are summarized in the following table by the type of inputs applicable to the fair value measurements (in thousands):
		Fair Value Measurements at Reporting Date Using
	Description	Total			Level 1			Level 2		Level 3
	Financial Assets
	Fixed maturities available-for-sale
	Corporate debt securities	$	38,163		$	—		$	38,163	$	—
	Mortgage backed securities	12,163			—			12,163		—
	Private label mortgage backed securities	5,080			—			5,080		—
	Obligations of states and political subdivisions	15,924			—			15,924		—
	U.S. Treasury securities and obligations of U.S.	18,571			18,571			—		—
	Government corporations and agencies
	Trading securities	19			19			—		—
	Equity securities available-for-sale	4,964			3,823			—		1,141
	Total Financial Assets	$	94,884		$	22,413		$	71,330	$	1,141
	Financial Liabilities
	Interest rate swap	$	(1,415	)	$	—		$	—	$	(1,415	)
	Total Financial Liabilities	$	(1,415	)	$	—		$	—	$	(1,415	)
	Financial assets and liabilities measured at fair value on a recurring basis as of December 31, 2014 are summarized in the following table by the type of inputs applicable to the fair value measurements (in thousands):
		Fair Value Measurements at Reporting Date Using
	Description	Total			Level 1			Level 2		Level 3
	Financial Assets
	Fixed maturities available-for-sale
	Corporate debt securities	$	38,667		$	—		$	38,667	$	—
	Mortgage backed securities	12,752			—			12,752		—
	Private label mortgage backed securities	1,296			—			1,296		—
	Obligations of states and political subdivisions	15,899			—			15,899		—
	U.S. Treasury securities and obligations of U.S.	18,272			18,272			—		—
	Government corporations and agencies
	Trading securities	19			19			—		—
	Equity securities available-for-sale	4,995			3,879			—		1,116
	Total Financial Assets	$	91,900		$	22,170		$	68,614	$	1,116
	Financial Liabilities
	Interest rate swap	$	(1,238	)	$	—		$	—	$	(1,238	)
	Total Financial Liabilities	$	(1,238	)	$	—		$	—	$	(1,238	)
Schedule of Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation	The table below presents a reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended December 31, 2014 (in thousands):
	For the year ended December 31, 2014	Equity Securities Available-for-Sale			Interest Rate Swap
	Beginning balance	$	875		$	(897	)
	Total gains or losses (realized and unrealized):
	Included in earnings	—			—
	Included in other comprehensive income	241			(341		)
	Purchases:	—			—
	Sales:	—			—
	Issuances:	—			—
	Settlements:	—			—
	Transfers in/(out) of Level 3	—			—
	Ending balance	$	1,116		$	(1,238	)
	The amount of total gains or losses for the period included in earnings attributable to the change in unrealized gains or losses relating to assets and liabilities still held as of December 31, 2014:	$	—		$	—
	The table below presents a reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the three months ended March 31, 2015 (in thousands):
	For the three months ended March 31, 2015	Equity Securities Available-for-Sale			Interest Rate Swap
	Beginning balance	$	1,116		$	(1,238	)
	Total gains or losses (realized and unrealized):
	Included in earnings	—			—
	Included in other comprehensive income	25			(177		)
	Purchases:	—			—
	Sales:	—			—
	Issuances:	—			—
	Settlements:	—			—
	Transfers in/(out) of Level 3	—			—
	Ending balance	$	1,141		$	(1,415	)
	The amount of total gains or losses for the period included in earnings attributable to the change in unrealized gains or losses relating to assets and liabilities still held as of March 31, 2015:	$	—		$	—
Schedule of Fair Value, by Balance Sheet Grouping	The carrying amount and estimated fair value of the Company’s financial instruments as of March 31, 2015 and December 31, 2014 are as follows (in thousands):
		March 31, 2015						December 31, 2014
		Carrying			Estimated			Carrying		Estimated
		Value			Fair Value			Value		Fair Value
	Assets and related instruments
	Held-to-maturity securities	$	2,767		$	2,905		$	3,108	$	3,182
	Mortgage loans	208			208			210		210
	Policy loans	1,556			1,556			1,530		1,530
	Company owned life insurance	5,161			5,161			5,513		5,513
	Other invested assets	3,484			3,484			3,553		3,553
	Liabilities and related instruments
	Other policyholder funds	1,525			1,525			1,510		1,510
	Short-term notes payable and current portion of long-term debt	1,557			1,557			857		857
	Long-term debt	17,515			17,515			18,715		18,715

Property_and_Equipment_Tables

Property and Equipment (Tables)	3 Months Ended
	Mar. 31, 2015
Property, Plant and Equipment [Abstract]
Schedule of Property and Equipment	Major categories of property and equipment are summarized as follows (dollars in thousands):
		March 31, 2015		31-Dec-14
	Building and improvements	$	3,348	$	3,367
	Electronic data processing equipment	1,606		1,570
	Furniture and fixtures	658		606
		5,612		5,543
	Less accumulated depreciation	3,577		3,530
	Property and equipment, net	$	2,035	$	2,013

Income_Taxes_Tables

Income Taxes (Tables)	3 Months Ended
	Mar. 31, 2015
Income Tax Disclosure [Abstract]
Schedule of Deferred Tax Assets and Liabilities	The tax effect of significant differences representing deferred tax assets and liabilities are as follows (dollars in thousands):
		As of				As of
		31-Mar-15				31-Dec-14
	General expenses	$	1,415			$	1,371
	Unearned premiums	2,009				1,961
	Claims liabilities	863				849
	Litigation settlement	2,040				2,040
	AMT credit	1,121				1,240
	Impairment on real estate owned	187				187
	Unrealized loss on interest rate swaps	482				421
	Deferred tax assets	8,117				8,069
	Depreciation	(107		)		(111		)
	Deferred policy acquisition costs	(2,919		)		(2,921		)
	Unrealized gains on securities available-for-sale	(2,036		)		(1,848		)
	Deferred tax liabilities	(5,062		)		(4,880		)
	Net deferred tax asset	$	3,055			$	3,189
Changes in Temporary Differences in Federal Income Tax	The appropriate income tax effects of changes in temporary differences are as follows (dollars in thousands):
		Three months ended March 31,
		2015				2014
	Deferred policy acquisition costs	$	(2	)		$	(14	)
	Unearned premiums	(48		)		(76		)
	General expenses	(44		)		(5		)
	Depreciation	(4		)		(42		)
	Claims liabilities	(14		)		(42		)
	AMT credit	119				—
	NOL carryforward	—				375
	Deferred income tax expense	$	7			$	196
Schedule of Effective Income Tax Rate Reconciliation	Total income tax expense (benefit) varies from amounts computed by applying current federal income tax rates to income or loss before income taxes.  The reasons for these differences and the approximate tax effects are as follows:
		Three months ended March 31,
		2015			2014
	Federal income tax rate applied to pre-tax income/loss	34	%		34	%
	Dividends received deduction and tax-exempt interest	(1.5	)%		(2.4	)%
	Company owned life insurance	(0.8	)%		(0.8	)%
	Small life deduction	(3.2	)%		(11.4	)%
	AMT	—	%		1.9	%
	Other, net	(1.8	)%		0.8	%
	Effective federal income tax rate	26.7	%		22.1	%

Notes_Payable_and_LongTerm_Deb1

Notes Payable and Long-Term Debt (Tables)	3 Months Ended
	Mar. 31, 2015
Debt Disclosure [Abstract]
Schedule of Short-term Debt	Short-term debt and current portion of long-term debt consisted of the following as of March 31, 2015 and December 31, 2014 (dollars in thousands):
		2015		2014
	Line of credit with variable interest rate equal to the Wall Street Journal (WSJ) prime rate, subject to a 5.0% floor; maturity February 2016.  Interest payments due quarterly.  Unsecured.	$	700	$	—
	Current portion of installment note payable due November 2015 with variable interest rate equal to the WSJ prime rate plus 1%; Unsecured	857		857
		$	1,557	$	857
Schedule of Long-term Debt Instruments	Long-term debt consisted of the following as of March 31, 2015 and December 31, 2014 (dollars in thousands):
		2015		2014
	Line of credit with variable interest rate equal to the WSJ prime rate, subject to a 5.0% floor; maturity February 2016.  Interest payments due quarterly.  Unsecured.	$	—	$	700
	Line of credit with variable interest rate equal to the WSJ prime rate, subject to a 4.5% floor; maturity September 2017.  Interest payments due monthly.  Secured.	—		500
	Long term portion of installment note with variable interest rate equal to the WSJ prime rate plus 1% and adjustable each November; maturity November 2021. Interest payable annually with principal payable in equal annual installments. Next principal installment on long term portion due November 2015. Unsecured.	5,143		5,143
	Subordinated debentures issued on December 15, 2005 with fixed interest rate of 8.83% each distribution period thereafter until December 15, 2015 when the coupon rate shall equal the 3-Month LIBOR plus 3.75% applied to the outstanding principal; maturity December 2035.  Interest payments due quarterly.  All may be redeemed at any time following the tenth anniversary of issuance.  Unsecured.	9,279		9,279
	Subordinated debentures issued on June 21, 2007 with a floating interest rate equal to the 3-Month LIBOR plus 3.40% applied to the outstanding principal; maturity June 15, 2037. Interest payments due quarterly.  All may be redeemed at any time following the fifth anniversary of issuance.  Unsecured.	3,093		3,093
		$	17,515	$	18,715

Reinsurance_Tables

Reinsurance (Tables)	3 Months Ended
	Mar. 31, 2015
Reinsurance Disclosures [Abstract]
Schedule of Reinsurance	Catastrophe reinsurance coverage is maintained in three layers as follows:
	Layer	Reinsurers' Limits of Liability
	First Layer	100% of $13,500,000 in excess of $4,000,000
	Second Layer	100% of $25,000,000 in excess of $17,500,000
	Third Layer	100% of $30,000,000 in excess of $42,500,000

Shareholders_Equity_Tables

Shareholders' Equity (Tables)	3 Months Ended
	Mar. 31, 2015
Stockholders' Equity Note [Abstract]
Schedule of Stock by Class	The table below provides information regarding the Company's preferred and common stock as of March 31, 2015 and December 31, 2014:
		Authorized	Issued	Outstanding
	Preferred Stock, $1 par value	500,000	—	—
	Class A Common Stock, $1 par value	2,000,000	—	—
	Common Stock, $1 par value	3,000,000	2,507,452	2,507,452

Accumulated_Other_Comprehensiv1

Accumulated Other Comprehensive Income (Tables)	3 Months Ended
	Mar. 31, 2015
Equity [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	The following table presents changes in AOCI balances (dollars in thousands):
		Three months ended
		March 31,
		2015			2014
	Gains and Losses on Cash Flow Hedges
	Balance at beginning of period	$	(816	)	$	(591	)
	Other comprehensive income (loss) for period:
	Other comprehensive income (loss) before reclassifications	(117		)	(76		)
	Amounts reclassified from accumulated other comprehensive income	—			—
	Net current period other comprehensive income (loss)	(117		)	(76		)
	Balance at end of period	$	(933	)	$	(667	)
	Unrealized Gains and Losses on Available-for-Sale Securities
	Balance at beginning of period	$	3,588		$	1,527
	Other comprehensive income (loss) for period:
	Other comprehensive income before reclassifications	459			1,132
	Amounts reclassified from accumulated other comprehensive income	(94		)	(59		)
	Net current period other comprehensive income	365			1,073
	Balance at end of period	$	3,953		$	2,600
	Total Accumulated Other Comprehensive Income at end of period	$	3,020		$	1,933
Reclassification out of Accumulated Other Comprehensive Income	The following table presents the amounts reclassified out of AOCI for the three months ended March 31, 2015 (dollars in thousands):
	Details about Accumulated Other Comprehensive Income Components	Amounts Reclassified from Accumulated Other Comprehensive Income			Affected Line Item in the Statement Where Net Income is Presented
	Unrealized Gains and Losses on	$	142		Net realized investment gains
	Available-for-Sale Securities
		142			Total before tax
		(48		)	Tax (expense) or benefit
		$	94		Net of Tax
	The following table presents the amounts reclassified out of AOCI for the three months ended March 31, 2014 (dollars in thousands):
	Details about Accumulated Other Comprehensive Income Components	Amounts Reclassified from Accumulated Other Comprehensive Income			Affected Line Item in the Statement Where Net Income is Presented
	Unrealized Gains and Losses on	$	88		Net realized investment gains
	Available-for-Sale Securities
		88			Total before tax
		(29		)	Tax (expense) or benefit
		$	59		Net of Tax

Segments_Tables

Segments (Tables)	3 Months Ended
	Mar. 31, 2015
Segment Reporting, Disclosure of Entity's Reportable Segments [Abstract]
Schedule of Segment Reporting Information, by Segment	Total assets by industry segment at March 31, 2015 and at December 31, 2014 are summarized below (dollars in thousands):
			Total				P&C Insurance Operations				Life Insurance Operations			Non-Insurance Operations
	31-Mar-15
			$	147,016			$	82,573			$	56,827		$	7,616
	31-Dec-14
			$	144,865			$	81,648			$	56,541		$	6,676
	Premium revenues and operating income by business segment for the three months ended March 31, 2015 and 2014 are summarized below (dollars in thousands):
	Three months ended March 31, 2015	Total				P&C Insurance Operations				Life Insurance Operations			Non-Insurance Operations
	REVENUE
	Net premiums earned	$	14,706			$	13,122			$	1,584		$	—
	Net investment income	974				490				465			19
	Net realized investment gains (losses)	142				31				111			—
	Other income	158				157				1			—
		15,980				13,800				2,161			19
	BENEFITS AND EXPENSES
	Policyholder benefits paid	8,262				6,777				1,485			—
	Amortization of deferred policy acquisition costs	899				675				224			—
	Commissions	2,055				1,968				87			—
	General and administrative expenses	2,006				1,540				309			157
	Taxes, licenses and fees	655				544				111			—
	Interest expense	317				—				10			307
		14,194				11,504				2,226			464
	Income (Loss) Before Income Taxes	$	1,786			$	2,296			$	(65	)	$	(445	)
	Three months ended March 31, 2014	Total				P&C Insurance Operations				Life Insurance Operations			Non-Insurance Operations
	REVENUE
	Net premiums earned	$	13,824			$	12,173			$	1,651		$	—
	Net investment income	948				455				474			19
	Net realized investment gains	88				48				40			—
	Other income	154				153				1			—
		15,014				12,829				2,166			19
	BENEFITS AND EXPENSES
	Policyholder benefits paid	7,864				6,664				1,200			—
	Amortization of deferred policy acquisition costs	898				641				257			—
	Commissions	2,027				1,945				82			—
	General and administrative expenses	2,026				1,457				460			109
	Taxes, licenses and fees	530				464				66			—
	Interest expense	386				—				17			369
		13,731				11,171				2,082			478
	Income Before Income Taxes	$	1,283			$	1,658			$	84		$	(459	)
Schedule of Gross and Net Premiums Written	The following table presents the Company’s gross and net premiums written for the property and casualty segment and the life and accident and health segment for the three months ended March 31, 2015 and 2014, respectively:
			Three months ended
			March 31,
			2015				2014
	Life, accident and health operations premiums written:
	Traditional life insurance		$	1,137			$	1,179
	Accident and health insurance		419				444
	Gross life, accident and health		1,556				1,623
	Reinsurance premium ceded		(15		)		(23		)
	Net life, accident and health premiums written		$	1,541			$	1,600
	Property and Casualty operations premiums written:
	Dwelling fire & extended coverage		$	8,728			$	8,329
	Homeowners (Including mobile homeowners)		5,751				5,749
	Other liability		505				469
	Gross property and casualty		14,984				14,547
	Reinsurance premium ceded		(1,491		)		(1,755		)
	Net property and casualty written		$	13,493			$	12,792
	Consolidated gross premiums written		$	16,540			$	16,170
	Reinsurance premium ceded		(1,506		)		(1,778		)
	Consolidated net premiums written		$	15,034			$	14,392
Schedule of Gross and Net Premiums Earned	The following table presents the Company’s gross and net premiums earned for the property and casualty segment and the life and accident and health segment three months ended March 31, 2015 and 2014, respectively:
			Three months ended
			March 31,
			2015				2014
	Life, accident and health operations premiums earned:
	Traditional life insurance		$	1,178			$	1,243
	Accident and health insurance		421				431
	Gross life, accident and health		1,599				1,674
	Reinsurance premium ceded		(15		)		(23		)
	Net life, accident and health premiums earned		$	1,584			$	1,651
	Property and Casualty operations premiums earned:
	Dwelling fire & extended coverage		$	8,200			$	7,670
	Homeowners (Including mobile homeowners)		5,948				5,831
	Other liability		465				427
	Gross property and casualty		14,613				13,928
	Reinsurance premium ceded		(1,491		)		(1,755		)
	Net property and casualty earned		$	13,122			$	12,173
	Consolidated gross premiums earned		$	16,212			$	15,602
	Reinsurance premium ceded		(1,506		)		(1,778		)
	Consolidated net premiums earned		$	14,706			$	13,824

Significant_Accounting_Policie2

Significant Accounting Policies (Earnings Per Share) (Details)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Accounting Policies [Abstract]
Weighted average number of shares outstanding	2,507,452	2,494,480

Significant_Accounting_Policie3

Significant Accounting Policies (Concentration of Credit Risk) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Concentration Risk [Line Items]
Cash	$7,108	$6,426	$6,739	$4,987
Policy receivables and agents' balances, net	11,285	10,948
Uninsured Deposit Risk [Member]
Concentration Risk [Line Items]
Cash	3,924
Single Largest Agent Balance Due [Member]
Concentration Risk [Line Items]
Policy receivables and agents' balances, net	$937

Variable_Interest_Entities_Det

Variable Interest Entities (Details) (USD $)	1 Months Ended		3 Months Ended
	Dec. 31, 2005	Jun. 30, 2007	Mar. 31, 2015
Variable Interest Entity [Line Items]
Carrying amount of investments			294,000
Trust Preferred Security Offering, 2005 [Member]
Variable Interest Entity [Line Items]
Payments to acquire trust preferred securities	9,000,000
Subordinated debt	9,279,000
Proceeds from issuance of trust preferred securities	9,005,000
Equity investment	279,000
Trust Preferred Security Offering, 2007 [Member]
Variable Interest Entity [Line Items]
Payments to acquire trust preferred securities		3,000,000
Proceeds from issuance of trust preferred securities		2,995,000
Equity investment		93,000
Trust Preferred Security Offering, 2007 [Member] | Unsecured Debt [Member]
Variable Interest Entity [Line Items]
Subordinated debt		$3,093,000
Maximum [Member]
Variable Interest Entity [Line Items]
Limited partnership, percent owned			1.00%

Investments_Narrative_Details

Investments (Narrative) (Details) (USD $)	3 Months Ended		12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Gain (Loss) on Investments [Line Items]
Securities held-to-maturity with unrealized losses	$0	$0
Other-than-temporary impairments, available-for-sale securities	$0		$0
Maximum [Member]
Gain (Loss) on Investments [Line Items]
Percent of investment portfolio below investment grade	3.69%

Investments_AvailableforSale_S

Investments (Available-for-Sale Securities) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$88,874	$86,444
Gross Unrealized Gains	6,703	6,288
Gross Unrealized Losses	712	851
Fair Value	94,865	91,881
Corporate Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	36,570	37,299
Gross Unrealized Gains	1,904	1,773
Gross Unrealized Losses	311	405
Fair Value	38,163	38,667
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	11,998	12,691
Gross Unrealized Gains	297	214
Gross Unrealized Losses	132	153
Fair Value	12,163	12,752
Private Label Mortgage Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	5,111	1,261
Gross Unrealized Gains	42	38
Gross Unrealized Losses	73	3
Fair Value	5,080	1,296
US States and Political Subdivisions Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	14,885	14,919
Gross Unrealized Gains	1,043	993
Gross Unrealized Losses	4	13
Fair Value	15,924	15,899
US Treasury Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	17,890	17,854
Gross Unrealized Gains	727	525
Gross Unrealized Losses	46	107
Fair Value	18,571	18,272
Available-for-sale Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	86,454	84,024
Gross Unrealized Gains	4,013	3,543
Gross Unrealized Losses	566	681
Fair Value	89,901	86,886
Equity Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	2,420	2,420
Gross Unrealized Gains	2,690	2,745
Gross Unrealized Losses	146	170
Fair Value	$4,964	$4,995

Investments_HeldtoMaturity_Sec

Investments (Held-to-Maturity Securities) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$2,767	$3,108
Held-to-maturity securities, unrealized gains	138	74
Held-to-maturity securities, unrealized losses	0	0
Fair Value	2,905	3,182
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	2,708	2,818
Held-to-maturity securities, unrealized gains	134	69
Held-to-maturity securities, unrealized losses	0	0
Fair Value	2,842	2,887
US Treasury Securities [Member]
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	59	290
Held-to-maturity securities, unrealized gains	4	5
Held-to-maturity securities, unrealized losses	0	0
Fair Value	$63	$295

Investments_Amortized_Cost_and

Investments (Amortized Cost and Aggregate Fair Value of Debt Securities, by Contractual Maturity) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Investments [Abstract]
Available-for-sale Securities, Due in one year or less, Amortized Cost	$1,209
Available-for-sale Securities, Due in one year or less, Fair Value	1,220
Available-for-sale Securities, Due after one year through five years, Amortized Cost	17,042
Available-for-sale Securities, Due after one year through five years, Fair Value	18,112
Available-for-sale Securities, Due after five years through ten years, Amortized Cost	29,435
Available-for-sale Securities, Due after five years through ten years, Fair Value	30,121
Available-for-sale Securities, Due after ten years, Amortized Cost	38,768
Available-for-sale Securities, Due after ten years, Fair Value	40,448
Available-for-sale securities, Amortized Cost	86,454	84,024
Available-for-sale Securities, Fair Value	89,901
Held-to-maturity Securities, Due in one year or less, Amortized Cost	0
Held-to-maturity Securities, Due in one year or less, Fair Value	0
Held-to-maturity Securities, Due after one year through five years, Amortized Cost	134
Held-to-maturity Securities, Due after one year through five years, Fair Value	141
Held-to-maturity Securities, Due after five years through ten years, Amortized Cost	129
Held-to-maturity Securities, Due after five years through ten years, Fair Value	141
Held-to-maturity Securities, Due after ten years, Amortized Cost	2,504
Held-to-maturity Securities, Due after ten years, Fair Value	2,623
Held-to-maturity Securities, Amortized Cost	2,767	3,108
Held-to-maturity Securities, Fair Value	$2,905	$3,182

Investments_Schedule_of_Contin

Investments (Schedule of Continuous Losses) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	$8,689	$9,167
Less than 12 Months, Gross Unrealized Losses	376	374
12 Months or Longer, Fair Value	6,151	9,061
12 Months or Longer, Gross Unrealized Losses	336	477
Total Fair Value	14,840	18,228
Total Gross Unrealized Losses	712	851
Total Securities in a Loss Position	30	44
Corporate Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	4,612	6,306
Less than 12 Months, Gross Unrealized Losses	304	364
12 Months or Longer, Fair Value	865	1,843
12 Months or Longer, Gross Unrealized Losses	7	41
Total Fair Value	5,477	8,149
Total Gross Unrealized Losses	311	405
Total Securities in a Loss Position	11	18
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	153	1,386
Less than 12 Months, Gross Unrealized Losses	2	4
12 Months or Longer, Fair Value	1,225	1,855
12 Months or Longer, Gross Unrealized Losses	130	149
Total Fair Value	1,378	3,241
Total Gross Unrealized Losses	132	153
Total Securities in a Loss Position	6	12
Private Label Mortgage Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	3,924	0
Less than 12 Months, Gross Unrealized Losses	70	0
12 Months or Longer, Fair Value	91	97
12 Months or Longer, Gross Unrealized Losses	3	3
Total Fair Value	4,015	97
Total Gross Unrealized Losses	73	3
Total Securities in a Loss Position	7	1
US States and Political Subdivisions Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Gross Unrealized Losses	0	0
12 Months or Longer, Fair Value	338	651
12 Months or Longer, Gross Unrealized Losses	4	13
Total Fair Value	338	651
Total Gross Unrealized Losses	4	13
Total Securities in a Loss Position	1	2
US Treasury Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	0	1,475
Less than 12 Months, Gross Unrealized Losses	0	6
12 Months or Longer, Fair Value	2,492	3,499
12 Months or Longer, Gross Unrealized Losses	46	101
Total Fair Value	2,492	4,974
Total Gross Unrealized Losses	46	107
Total Securities in a Loss Position	4	10
Equity Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Gross Unrealized Losses	0	0
12 Months or Longer, Fair Value	1,140	1,116
12 Months or Longer, Gross Unrealized Losses	146	170
Total Fair Value	1,140	1,116
Total Gross Unrealized Losses	$146	$170
Total Securities in a Loss Position	1	1

Investments_Major_Categories_o

Investments (Major Categories of Investment Income) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Gross investment income	$1,045	$1,005
Less: Investment expenses	71	57
Net investment income	974	948
Fixed Maturities [Member]
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Gross investment income	894	859
Equity Securities [Member]
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Gross investment income	30	29
Mortgage Loans on Real Estate [Member]
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Gross investment income	4	4
Investment Real Estate [Member]
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Gross investment income	2	2
Policy Loans [Member]
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Gross investment income	29	27
Company Owned Life Insurance [Member]
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Gross investment income	44	30
Other, Principally Short-term Investments [Member]
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Gross investment income	$42	$54

Investments_Major_Categories_o1

Investments (Major Categories of Investment Gains and Losses) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Gain (Loss) on Investments [Line Items]
Net realized investment gains (losses)	$142	$88
Fixed Maturities [Member]
Gain (Loss) on Investments [Line Items]
Net realized investment gains (losses)	142	90
Other, Principally Real Estate [Member]
Gain (Loss) on Investments [Line Items]
Net realized investment gains (losses)	$0	($2)

Investments_Schedule_of_Unreal

Investments (Schedule of Unrealized Appreciation) (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Investments [Abstract]
Net change in unrealized appreciation on available-for-sale securities before deferred tax	$553	$3,123
Deferred income tax	-188	-1,062
Net change in unrealized appreciation on available-for-sale securities	$365	$2,061

Fair_Value_of_Financial_Assets2

Fair Value of Financial Assets and Financial Liabilities (Narrative) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
Fair Value Disclosures [Abstract]
Fair value measurements of assets	$1,141,000
Fair value measurements of liabilities	-1,415,000
Assets measured at fair values on a nonrecurring basis	0	0
Liabilities measured at fair values on a nonrecurring basis	$0	$0

Fair_Value_of_Financial_Assets3

Fair Value of Financial Assets and Financial Liabilities (Assets/Liabilities Measured at Fair Value on a Recurring Basis) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	$94,865	$91,881
Trading securities	19	19
Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Financial Assets	94,884	91,900
Total Financial Liabilities	-1,415	-1,238
Fair Value, Measurements, Recurring [Member] | Interest Rate Swap [Member] | Derivative Financial Instruments, Liabilities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Financial Liabilities	-1,415	-1,238
Fair Value, Measurements, Recurring [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	38,163	38,667
Fair Value, Measurements, Recurring [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	12,163	12,752
Fair Value, Measurements, Recurring [Member] | Mortgage-backed Securities, Issued by Private Enterprises [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	5,080	1,296
Fair Value, Measurements, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	15,924	15,899
Fair Value, Measurements, Recurring [Member] | US Government Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	18,571	18,272
Fair Value, Measurements, Recurring [Member] | Trading Account Assets [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading securities	19	19
Fair Value, Measurements, Recurring [Member] | Equity Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	4,964	4,995
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Financial Assets	22,413	22,170
Total Financial Liabilities	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Interest Rate Swap [Member] | Derivative Financial Instruments, Liabilities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Financial Liabilities	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Mortgage-backed Securities, Issued by Private Enterprises [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | US Government Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	18,571	18,272
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Trading Account Assets [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading securities	19	19
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Equity Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	3,823	3,879
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Financial Assets	71,330	68,614
Total Financial Liabilities	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Interest Rate Swap [Member] | Derivative Financial Instruments, Liabilities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Financial Liabilities	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	38,163	38,667
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	12,163	12,752
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Mortgage-backed Securities, Issued by Private Enterprises [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	5,080	1,296
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	15,924	15,899
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | US Government Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Trading Account Assets [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading securities	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Equity Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Financial Assets	1,141	1,116
Total Financial Liabilities	-1,415	-1,238
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Interest Rate Swap [Member] | Derivative Financial Instruments, Liabilities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Financial Liabilities	-1,415	-1,238
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Mortgage-backed Securities, Issued by Private Enterprises [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | US Government Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Trading Account Assets [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading securities	0	0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Equity Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturities available-for-sale	$1,141	$1,116

Fair_Value_of_Financial_Assets4

Fair Value of Financial Assets and Financial Liabilities (Level 3 Reconciliation) (Details) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Equity Securities Available-for-Sale
Ending balance	$1,141
Interest Rate Swap
Ending balance	-1,415
Fair Value, Measurements, Recurring [Member] | Interest Rate Swap [Member]
Interest Rate Swap
Beginning balance	-1,238	-897	-897
Included in earnings	0		0
Included in other comprehensive income	-177		-341
Purchases:	0		0
Sales:	0		0
Issuances:	0		0
Settlements:	0		0
Transfers in/(out) of Level 3	0		0
Ending balance	-1,415		-1,238
The amount of total gains or losses for the period included in earnings attributable to the change in unrealized gains or losses relating to assets and liabilities still held as of March 31, 2015:	0	0
Fair Value, Measurements, Recurring [Member] | Available-for-sale Securities [Member]
Equity Securities Available-for-Sale
Beginning balance:	1,116	875	875
Included in earnings	0		0
Included in other comprehensive income	25		241
Purchases:	0		0
Sales:	0		0
Issuances:	0		0
Settlements:	0		0
Transfers in/(out) of Level 3	0		0
Ending balance	1,141		1,116
The amount of total gains or losses for the period included in earnings attributable to the change in unrealized gains or losses relating to assets and liabilities still held as of March 31, 2015:	$0	$0

Fair_Value_of_Financial_Assets5

Fair Value of Financial Assets and Financial Liabilities (Fair Value of Assets and Liabilities) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Insurance Claims [Member]
Liabilities and Related Instruments [Abstract]
Carrying Value, Liabilities	$1,525	$1,510
Estimated Fair Value, Liabilities	1,525	1,510
Short-term Debt [Member]
Liabilities and Related Instruments [Abstract]
Carrying Value, Liabilities	1,557	857
Estimated Fair Value, Liabilities	1,557	857
Long-term Debt [Member]
Liabilities and Related Instruments [Abstract]
Carrying Value, Liabilities	17,515	18,715
Estimated Fair Value, Liabilities	17,515	18,715
Held-to-maturity Securities [Member]
Assets and Related Instruments [Abstract]
Carrying Value, Assets	2,767	3,108
Estimated Fair Value, Assets	2,905	3,182
Mortgage Loans on Real Estate [Member]
Assets and Related Instruments [Abstract]
Carrying Value, Assets	208	210
Estimated Fair Value, Assets	208	210
Policy Loans [Member]
Assets and Related Instruments [Abstract]
Carrying Value, Assets	1,556	1,530
Estimated Fair Value, Assets	1,556	1,530
Cash Surrender Value [Member]
Assets and Related Instruments [Abstract]
Carrying Value, Assets	5,161	5,513
Estimated Fair Value, Assets	5,161	5,513
Other Long-term Investments [Member]
Assets and Related Instruments [Abstract]
Carrying Value, Assets	3,484	3,553
Estimated Fair Value, Assets	$3,484	$3,553

Property_and_Equipment_Details

Property and Equipment (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$5,612	$5,543
Less accumulated depreciation	3,577	3,530
Property and equipment, net	2,035	2,013
Depreciation expense	47	306
Building and improvements [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	3,348	3,367
Electronic Data Processing Equipment [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	1,606	1,570
Furniture and Fixtures [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$658	$606

Income_Taxes_Narrative_Details

Income Taxes (Narrative) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Income Tax Disclosure [Abstract]
Net deferred tax asset position	$3,055	$3,189

Income_Taxes_Deferred_Tax_Asse

Income Taxes (Deferred Tax Assets and Liabilities) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Income Tax Disclosure [Abstract]
General expenses	$1,415	$1,371
Unearned premiums	2,009	1,961
Claims liabilities	863	849
Litigation settlement	2,040	2,040
AMT Credit	1,121	1,240
Impairment on real estate owned	187	187
Unrealized loss on interest rate swaps	482	421
Deferred tax assets	8,117	8,069
Depreciation	-107	-111
Deferred policy acquisition costs	-2,919	-2,921
Unrealized gains on securities available-for-sale	-2,036	-1,848
Deferred tax liabilities	-5,062	-4,880
Net deferred tax asset	$3,055	$3,189

Income_Taxes_Schedule_of_Incom

Income Taxes (Schedule of Income Tax Effects of Changes in Temporary Differences) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Income Tax Disclosure [Abstract]
Deferred policy acquisition costs	($2)	($14)
Unearned premiums	-48	-76
General expenses	-44	-5
Depreciation	-4	-42
Claims liabilities	-14	-42
AMT credit	119	0
NOL carryforward	0	375
Deferred income tax expense	$7	$196

Income_Taxes_Schedule_of_Effec

Income Taxes (Schedule of Effective Income Tax Rate Reconciliation) (Details)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Income Tax Disclosure [Abstract]
Federal income tax rate applied to pre-tax income/loss	34.00%	34.00%
Dividends received deduction and tax-exempt interest	-1.50%	-2.40%
Company owned life insurance	-0.80%	-0.80%
Small life deduction	-3.20%	-11.40%
Effective Income Tax Rate Reconciliation AMT	0.00%	1.90%
Other, net	-1.80%	0.80%
Effective federal income tax rate	26.70%	22.10%

Notes_Payable_and_LongTerm_Deb2

Notes Payable and Long-Term Debt (Narrative) (Details) (USD $)	3 Months Ended		12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014	26-May-10	Mar. 19, 2009	Dec. 31, 2009	Dec. 31, 2010
Debt Instrument [Line Items]
Derivative, Notional Amount				$9,000,000	$3,000,000
Derivative, fixed interest rate				8.49%	7.02%
Cash flow hedge, derivative instrument liabilities at fair value	1,415,000		1,238,000
Unrealized loss on interest rate swap	117,000	76,000	412,000
Available-for-sale securities pledged as collateral	1,518,000		1,494,000
Interest Rate Swap [Member]
Debt Instrument [Line Items]
Cash flow hedge, liability at fair value						274,000
Cash Flow Hedging [Member]
Debt Instrument [Line Items]
Cash flow hedge, liability at fair value							$1,141,000

Notes_Payable_and_LongTerm_Deb3

Notes Payable and Long-Term Debt (Short-Term Debt) (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Short-term Debt [Line Items]
Short-term notes payable	$1,557	$857
Unsecured Debt [Member]
Short-term Debt [Line Items]
Line of credit with variable interest rate equal to the WSJ prime rate, subject to a 5.0% floor; Maturity February 2016. Interest payments due quarterly. Unsecured.	700	0
Current portion of installment note payable November 2015 with variable interest rate equal to the WSJ prime rate plus 1%; Unsecured	857	857
Short-term notes payable	$1,557	$857
Interest rate description	WSJ	WSJ
Interest rate at period end	5.00%	5.00%
Payment terms	Interest payments due quarterly	Interest payments due quarterly
Description of variable rate basis	WSJ	WSJ
Basis spread on variable rate	1.00%	1.00%

Notes_Payable_and_LongTerm_Deb4

Notes Payable and Long-Term Debt (Schedule of Long-Term Debt) (Details) (USD $)	3 Months Ended	0 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 15, 2005	Dec. 31, 2014
Debt Instrument [Line Items]
Long-term debt	$17,515		$18,715
Promissory Note [Member] | Unsecured Debt [Member]
Debt Instrument [Line Items]
Long-term debt	5,143		5,143
Payment terms	Annual installment payments.
Trust Preferred Security Offering, 2005 [Member] | Unsecured Debt [Member]
Debt Instrument [Line Items]
Long-term debt	9,279		9,279
Fixed interest rate		8.83%
Payment terms	Interest payments due quarterly.
Trust Preferred Security Offering, 2007 [Member] | Unsecured Debt [Member]
Debt Instrument [Line Items]
Long-term debt	3,093		3,093
Payment terms	Interest payments due quarterly.
Line of Credit [Member] | Unsecured Debt [Member]
Debt Instrument [Line Items]
Amount outstanding	0		700
Payment terms	Interest payment
Line of Credit [Member] | Secured Debt [Member]
Debt Instrument [Line Items]
Amount outstanding	$0		$500
Payment terms	B Interest payments due monthly.
Prime Rate [Member] | Promissory Note [Member] | Unsecured Debt [Member]
Debt Instrument [Line Items]
Basis spread on variable rate	1.00%
Prime Rate [Member] | Line of Credit [Member] | Unsecured Debt [Member]
Debt Instrument [Line Items]
Percentage bearing variable interest, percentage rate	5.00%
Prime Rate [Member] | Line of Credit [Member] | Secured Debt [Member]
Debt Instrument [Line Items]
Percentage bearing variable interest, percentage rate	4.50%
Three-month LIBOR [Member] | Trust Preferred Security Offering, 2005 [Member] | Unsecured Debt [Member]
Debt Instrument [Line Items]
Basis spread on variable rate		3.75%
Three-month LIBOR [Member] | Trust Preferred Security Offering, 2007 [Member] | Unsecured Debt [Member]
Debt Instrument [Line Items]
Basis spread on variable rate		3.40%

Reinsurance_Reinsurers_Limits_

Reinsurance (Reinsurers' Limits of Liability) (Details) (USD $)	3 Months Ended
	Mar. 31, 2015	Dec. 31, 2014
Reinsurance Maintained by Layers [Line Items]
Catastrophe reinsurance retention	$4,000,000
Life insurance policy reinsurance limit	50,000
Reinsurance recoverable	1,510,000	939,000
Single Reinsurer [Member]
Reinsurance Maintained by Layers [Line Items]
Reinsurance recoverable	24,000	37,000
First Layer [Member]
Reinsurance Maintained by Layers [Line Items]
Percent of reinsured losses covered by layer	100.00%
Covered losses	13,500,000
Reinsurer's limit of liability	17,500,000
Second Layer [Member]
Reinsurance Maintained by Layers [Line Items]
Percent of reinsured losses covered by layer	100.00%
Covered losses	25,000,000
Reinsurer's limit of liability	42,500,000
Third Layer [Member]
Reinsurance Maintained by Layers [Line Items]
Percent of reinsured losses covered by layer	100.00%
Covered losses	30,000,000
Reinsurer's limit of liability	$72,500,000

Employee_Benefit_Plans_Details

Employee Benefit Plans (Details) (USD $)	3 Months Ended		61 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013
	hours
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Minimum hours of service completed in year of contribution	1,000
Matching contribution	$43,000	$46,000
Employer matching contribution, percent	5.00%
Cash contributions to ESOP	0	50,000
Employee Stock Ownership Plan (ESOP), Debt Structure, Indirect Loan, Amount	0
Non-Qualified Deferred Compensation Plans [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Deferred compensation arrangement	$45,000	$30,000
Executive Officers [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Employer matching contribution, percent			15.00%

Shareholders_Equity_Narrative_

Shareholders' Equity (Narrative) (Details) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Stockholders' Equity Note [Abstract]
Net income	$1,308	$999	$7,616
Dividends paid	100		300
Other comprehensive income, net of tax	($248)	($997)	($1,836)

Shareholders_Equity_Preferred_

Shareholders' Equity (Preferred and Common Stock) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
Class of Stock [Line Items]
Preferred stock, par value	$1	$1
Preferred stock, shares authorized	500,000	500,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value	$1	$1
Common stock, shares authorized	3,000,000	3,000,000
Common stock, shares issued	2,507,452	2,507,452
Common stock, shares outstanding	2,507,452	2,507,452
Common Class A [Member]
Class of Stock [Line Items]
Common stock, par value	$1	$1
Common stock, shares authorized	2,000,000	2,000,000
Common stock, shares issued	0	0
Common stock, shares outstanding	0	0

Accumulated_Other_Comprehensiv2

Accumulated Other Comprehensive Income (Changes in AOCI) (Details) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Accumulated Other Comprehensive Income (Loss) [Roll Forward]
Beginning balance	$2,772
Other comprehensive income, net of tax	248	997	1,836
Ending balance	3,020	1,933	2,772
Gains and Losses on Cash Flow Hedges [Member]
Accumulated Other Comprehensive Income (Loss) [Roll Forward]
Beginning balance	-816	-591	-591
Other comprehensive income (loss) before reclassifications	-117	-76
Amounts reclassified from accumulated other comprehensive income	0	0
Other comprehensive income, net of tax	-117	-76
Ending balance	-933	-667
Unrealized Gains and Losses on Available-for-Sale Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Roll Forward]
Beginning balance	3,588	1,527	1,527
Other comprehensive income (loss) before reclassifications	459	1,132
Amounts reclassified from accumulated other comprehensive income	-94	-59
Other comprehensive income, net of tax	365	1,073
Ending balance	$3,953	$2,600

Accumulated_Other_Comprehensiv3

Accumulated Other Comprehensive Income (Amounts reclassified out of AOCI) (Details) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Net realized investment gains (losses)	$142	$88
Tax (expense) or benefit	-478	-284
Net income	1,308	999	7,616
Reclassification out of Accumulated Other Comprehensive Income [Member] | Unrealized Gains and Losses on Available-for-Sale Securities [Member]
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Net realized investment gains (losses)	142	88
Total before tax	142	88
Tax (expense) or benefit	-48	-29
Net income	$94	$59

Segments_Narrative_Details

Segments (Narrative) (Details)	3 Months Ended
	Mar. 31, 2015
	Segments
Segment Reporting [Abstract]
Number of operating segments	1

Segments_Schedule_of_Segment_R

Segments (Schedule of Segment Reporting Information, by Segment) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Segment Reporting Information [Line Items]
Assets	$147,016		$144,865
Net premiums earned	14,706	13,824
Net investment income	974	948
Net realized investment gains (losses)	142	88
Other income	158	154
Total Revenues	15,980	15,014
Policyholder benefits paid	8,262	7,864
Amortization of deferred policy acquisition costs	899	898
Commissions	2,055	2,027
General and administrative expenses	2,006	2,026
Taxes, licenses and fees	655	530
Interest expense	317	386
Total Benefits, Losses and Expenses	14,194	13,731
Income Before Income Taxes	1,786	1,283
P&C Insurance Operations [Member]
Segment Reporting Information [Line Items]
Assets	82,573		81,648
Net premiums earned	13,122	12,173
Net investment income	490	455
Net realized investment gains (losses)	31	48
Other income	157	153
Total Revenues	13,800	12,829
Policyholder benefits paid	6,777	6,664
Amortization of deferred policy acquisition costs	675	641
Commissions	1,968	1,945
General and administrative expenses	1,540	1,457
Taxes, licenses and fees	544	464
Interest expense	0	0
Total Benefits, Losses and Expenses	11,504	11,171
Income Before Income Taxes	2,296	1,658
Life Insurance Operations [Member]
Segment Reporting Information [Line Items]
Assets	56,827		56,541
Net premiums earned	1,584	1,651
Net investment income	465	474
Net realized investment gains (losses)	111	40
Other income	1	1
Total Revenues	2,161	2,166
Policyholder benefits paid	1,485	1,200
Amortization of deferred policy acquisition costs	224	257
Commissions	87	82
General and administrative expenses	309	460
Taxes, licenses and fees	111	66
Interest expense	10	17
Total Benefits, Losses and Expenses	2,226	2,082
Income Before Income Taxes	-65	84
Non-Insurance Operations [Member]
Segment Reporting Information [Line Items]
Assets	7,616		6,676
Net premiums earned	0	0
Net investment income	19	19
Net realized investment gains (losses)	0	0
Other income	0	0
Total Revenues	19	19
Policyholder benefits paid	0	0
Amortization of deferred policy acquisition costs	0	0
Commissions	0	0
General and administrative expenses	157	109
Taxes, licenses and fees	0	0
Interest expense	307	369
Total Benefits, Losses and Expenses	464	478
Income Before Income Taxes	($445)	($459)

Segments_Schedule_of_Gross_and

Segments (Schedule of Gross and Net Premiums Written) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Segment Reporting Information [Line Items]
Gross premiums written	$16,540	$16,170
Reinsurance premium ceded	-1,506	-1,778
Net premiums written	15,034	14,392
Life Insurance Operations [Member]
Segment Reporting Information [Line Items]
Gross premiums written	1,556	1,623
Reinsurance premium ceded	-15	-23
Net premiums written	1,541	1,600
Life Insurance Operations [Member] | Traditional Life Insurance [Member]
Segment Reporting Information [Line Items]
Gross premiums written	1,137	1,179
Life Insurance Operations [Member] | Accident and Health Insurance [Member]
Segment Reporting Information [Line Items]
Gross premiums written	419	444
P&C Insurance Operations [Member]
Segment Reporting Information [Line Items]
Gross premiums written	14,984	14,547
Reinsurance premium ceded	-1,491	-1,755
Net premiums written	13,493	12,792
P&C Insurance Operations [Member] | Dwelling Fire & Extended Coverage [Member]
Segment Reporting Information [Line Items]
Gross premiums written	8,728	8,329
P&C Insurance Operations [Member] | Homeowners (Including Mobile Homeowners) [Member]
Segment Reporting Information [Line Items]
Gross premiums written	5,751	5,749
P&C Insurance Operations [Member] | Other Liability [Member]
Segment Reporting Information [Line Items]
Gross premiums written	$505	$469

Segments_Schedule_of_Gross_and1

Segments (Schedule of Gross and Net Premiums Earned) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Segment Reporting Information [Line Items]
Gross premiums earned	$16,212	$15,602
Reinsurance premium ceded	-1,506	-1,778
Net premiums earned	14,706	13,824
Life Insurance Operations [Member]
Segment Reporting Information [Line Items]
Gross premiums earned	1,599	1,674
Reinsurance premium ceded	-15	-23
Net premiums earned	1,584	1,651
Life Insurance Operations [Member] | Traditional Life Insurance [Member]
Segment Reporting Information [Line Items]
Gross premiums earned	1,178	1,243
Life Insurance Operations [Member] | Accident and Health Insurance [Member]
Segment Reporting Information [Line Items]
Gross premiums earned	421	431
P&C Insurance Operations [Member]
Segment Reporting Information [Line Items]
Gross premiums earned	14,613	13,928
Reinsurance premium ceded	-1,491	-1,755
Net premiums earned	13,122	12,173
P&C Insurance Operations [Member] | Dwelling Fire & Extended Coverage [Member]
Segment Reporting Information [Line Items]
Gross premiums earned	8,200	7,670
P&C Insurance Operations [Member] | Homeowners (Including Mobile Homeowners) [Member]
Segment Reporting Information [Line Items]
Gross premiums earned	5,948	5,831
P&C Insurance Operations [Member] | Other Liability [Member]
Segment Reporting Information [Line Items]
Gross premiums earned	$465	$427

Supplemental_Cash_Flow_Informa1

Supplemental Cash Flow Information (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Supplemental Cash Flow Elements [Abstract]
Interest paid	$280	$289
Income taxes paid	$500	$50