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Reinsurance
 9 Months Ended
Sep. 30, 2018
Reinsurance Disclosures [Abstract]  
Reinsurance
Reinsurance
The following table summarizes the effect of reinsurance on premiums written and earned for the three and nine months ended September 30, 2018 and 2017:
 
 
Three Months Ended September 30,
 
Nine Months Ended September 30,
 
 
2018
 
2017
 
2018
 
2017
 
 
(in thousands)
Written:
 
 
 
 
 
 
 
 
Direct
 
$
69,546

 
$
55,633

 
$
203,374

 
$
166,248

Ceded
 
(11,602
)
 
(8,562
)
 
(29,448
)
 
(25,242
)
Net written
 
$
57,944

 
$
47,071

 
$
173,926

 
$
141,006

 
 
 
 
 
 
 
 
 
Earned:
 
 
 
 
 
 
 
 
Direct
 
$
64,713

 
$
53,527

 
$
180,909

 
$
153,293

Ceded
 
(10,417
)
 
(8,497
)
 
(27,659
)
 
(24,778
)
Net earned
 
$
54,296

 
$
45,030

 
$
153,250

 
$
128,515


Incurred losses and loss adjustment expenses were net of reinsurance (ceded incurred losses and loss adjustment expenses) of $15.1 million and $6.9 million for the three months ended September 30, 2018 and 2017, respectively. Ceded incurred losses and loss adjustment expenses were $23.0 million and $8.7 million for the nine months ended September 30, 2018 and 2017, respectively. At September 30, 2018, reinsurance recoverables on paid and unpaid losses were $1.4 million and $63.5 million, respectively. At December 31, 2017, reinsurance recoverables on paid and unpaid losses were $1.4 million and $48.2 million, respectively.