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Reinsurance (Tables) | 12 Months Ended
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Dec. 31, 2024
Reinsurance Disclosures [Abstract] |
Reinsurance Recoverable | Reinsurance recoverable at the balance sheet dates consists of the following:
| December 31,
| 2024 |  | 2023
Reinsurance recoverable on unpaid losses and LAE | $ | 249,276 |  |  | $ | 271,736 |
Reinsurance recoverable on paid losses and LAE | 14,143 |  |  | 69,084 |
Reinsurance recoverable(1) | $ | 263,419 |  |  | $ | 340,820 |
Reinsurance, Effect on Operations | The following table depicts written premiums, earned premiums and losses, showing the effects that our reinsurance transactions have on these components of our Consolidated Statements of Comprehensive Income (Loss):
| Year ended December 31,
| 2024 |  | 2023 |  | 2022
Premium written: |  |  |  |  |
Direct | $ | 642,727 |  |  | $ | 635,593 |  |  | $ | 507,716 |
Assumed | 5,078 |  |  | 116 |  |  | 20,444 |
Ceded | (370,210) |  |  | (413,462) |  |  | (229,352) |
Net premium written | $ | 277,595 |  |  | $ | 222,247 |  |  | $ | 298,808 |
Change in unearned premiums: |  |  |  |  |
Direct | $ | (5,730) |  |  | $ | (41,227) |  |  | $ | (44,646) |
Assumed | (3,467) |  |  | 10,201 |  |  | (9,326) |
Ceded | 5,592 |  |  | 70,839 |  |  | (21,907) |
Net decrease (increase) | $ | (3,605) |  |  | $ | 39,813 |  |  | $ | (75,879) |
Premiums earned: |  |  |  |  |
Direct | $ | 636,997 |  |  | $ | 594,366 |  |  | $ | 463,070 |
Assumed | 1,611 |  |  | 10,317 |  |  | 11,118 |
Ceded | (364,618) |  |  | (342,623) |  |  | (251,259) |
Net premiums earned | $ | 273,990 |  |  | $ | 262,060 |  |  | $ | 222,929 |
Losses and LAE incurred: |  |  |  |  |
Direct | $ | 231,537 |  |  | $ | 120,114 |  |  | $ | 746,186 |
Assumed | (4,077) |  |  | 3,767 |  |  | 16,887 |
Ceded | (158,141) |  |  | (77,203) |  |  | (666,964) |
Net losses and LAE incurred | $ | 69,319 |  |  | $ | 46,678 |  |  | $ | 96,109 |
Reinsurance Effects On Unpaid Lossses, LAE and Unearned Premiums | The following table highlights the effects that our reinsurance transactions have on unpaid losses and loss adjustment expenses and unearned premiums in our Consolidated Balance Sheets:
| December 31,
| 2024 |  | 2023 |  | 2022
Unpaid losses and LAE: |  |  |  |  |
Direct | $ | 315,412 |  |  | $ | 332,396 |  |  | $ | 818,166 |
Assumed | 6,675 |  |  | 15,342 |  |  | (1,677) |
Gross unpaid losses and LAE | 322,087 |  |  | 347,738 |  |  | 816,489 |
Ceded | (249,276) |  |  | (271,736) |  |  | (731,666) |
Net unpaid losses and LAE | $ | 72,811 |  |  | $ | 76,002 |  |  | $ | 84,823 |
Unearned premiums: |  |  |  |  |
Direct | $ | 281,887 |  |  | $ | 276,157 |  |  | $ | 234,930 |
Assumed | 3,467 |  |  | — |  |  | 10,201 |
Gross unearned premiums | 285,354 |  |  | 276,157 |  |  | 245,131 |
Ceded | (160,893) |  |  | (155,301) |  |  | (84,461) |
Net unearned premiums | $ | 124,461 |  |  | $ | 120,856 |  |  | $ | 160,670 |

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