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Summary of Significant Accounting Policies Summary of Significant Accounting Policies (Tables)
 12 Months Ended
Dec. 31, 2024
Accounting Policies [Abstract]  
Summary of Deferred Policy Acquisition Cost Amortization and Net Advertising Expense
The table below presents a summary of deferred policy acquisition cost amortization and net advertising expense:
Year Ended December 31,
202420232022
(Amounts in millions)
Deferred policy acquisition cost amortization
$858.3 $708.5 $654.6 
Net advertising expense
20.8 8.9 11.8 
Effects of Reinsurance The effect of reinsurance on property and casualty premiums written and earned was as follows:
Year Ended December 31,
202420232022
 (Amounts in thousands)
Premiums Written
Direct $5,474,292 $4,531,942 $4,018,057 
Ceded(138,015)(109,644)(81,256)
Assumed15,489 15,353 10,743 
     Net$5,351,766 $4,437,651 $3,947,544 
Premiums Earned
Direct$5,167,342 $4,339,333 $3,993,771 
Ceded(136,698)(109,445)(80,950)
Assumed15,455 15,481 10,821 
     Net$5,046,099 $4,245,369 $3,923,642 
Premium Receivable, Allowance for Credit Loss
The following table presents a summary of changes in allowance for credit losses on premiums receivable:
 Year Ended December 31,
 202420232022
 (Amounts in thousands)
Beginning balance$5,300 $5,800 $6,000 
     Provision during the period for expected credit losses 3,752 2,819 4,213 
Write-off amounts during the period(3,559)(3,879)(5,027)
Recoveries during the period of amounts previously written off 907 560 614 
Ending balance $6,400 $5,300 $5,800 
Reinsurance Recoverable, Allowance for Credit Loss
The following table presents a summary of changes in allowance for credit losses on reinsurance recoverables:

 Year Ended December 31,
 202420232022
 (Amounts in thousands)
Beginning balance$12 $— $— 
     Provision during the period for expected credit losses (12)12 — 
Write-off amounts during the period— — — 
Recoveries during the period of amounts previously written off — — — 
Ending balance $— $12 $—