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Reinsurance
6 Months Ended
Jun. 30, 2019
Reinsurance Disclosures [Abstract]  
Reinsurance Reinsurance
The following table summarizes the effect of reinsurance on premiums written and earned for the three and six months ended June 30, 2019 and 2018:
 
 
Three Months Ended June 30,
 
Six Months Ended June 30,
 
 
2019
 
2018
 
2019
 
2018
 
 
(in thousands)
Written:
 
 
 
 
 
 
 
 
Direct
 
$
94,885

 
$
69,981

 
$
179,448

 
$
133,828

Assumed
 
62

 

 
125

 

Ceded
 
(12,260
)
 
(9,090
)
 
(23,819
)
 
(17,846
)
Net written
 
$
82,687

 
$
60,891

 
$
155,754

 
$
115,982

 
 
 
 
 
 
 
 
 
Earned:
 
 
 
 
 
 
 
 
Direct
 
$
77,920

 
$
59,603

 
$
149,998

 
$
116,196

Assumed
 
16

 

 
73

 

Ceded
 
(11,849
)
 
(8,710
)
 
(22,493
)
 
(17,242
)
Net earned
 
$
66,087

 
$
50,893

 
$
127,578

 
$
98,954


Incurred losses and loss adjustment expenses were net of reinsurance (ceded incurred losses and loss adjustment expenses) of $9.4 million and $5.0 million for the three months ended June 30, 2019 and 2018, respectively. Ceded incurred losses and loss adjustment expenses were $13.7 million and $7.9 million for the six months ended June 30, 2019 and 2018, respectively. At June 30, 2019, reinsurance recoverables on paid and unpaid losses were $3.9 million and $62.0 million, respectively. At December 31, 2018, reinsurance recoverables on paid and unpaid losses were $1.4 million and $55.4 million, respectively.