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Reinsurance (Tables)
 12 Months Ended
Dec. 31, 2019
Reinsurance Disclosures [Abstract]  
Effect of Reinsurance on Premiums Written and Earned
The effect of reinsurance on premiums written and earned for the years ended December 31, was as follows:
  
2019
 
2018
 
2017
(millions)
Written

Earned

 
Written

Earned

 
Written

Earned

Direct premiums
$
39,222.0

$
37,519.7

 
$
33,753.1

$
31,970.2

 
$
27,860.7

$
26,425.7

Ceded premiums:
 
 
 
 
 
 
 
 
Regulated
(711.1
)
(670.8
)
 
(596.4
)
(557.5
)
 
(505.9
)
(479.6
)
Non-Regulated
(933.0
)
(656.5
)
 
(546.8
)
(479.4
)
 
(222.7
)
(216.2
)
Total ceded premiums
(1,644.1
)
(1,327.3
)
 
(1,143.2
)
(1,036.9
)
 
(728.6
)
(695.8
)
Net premiums
$
37,577.9

$
36,192.4

 
$
32,609.9

$
30,933.3

 
$
27,132.1

$
25,729.9
Prepaid Reinsurance Premiums and Reinsurance Recoverables
Our reinsurance recoverables and prepaid reinsurance premiums were comprised of the following at December 31:
 
Reinsurance Recoverables
 
Prepaid Reinsurance Premiums
($ in millions)
2019
 
2018
 
2019
 
2018
Regulated:
 
 
 
 
 
 
 
 
 
 
 
MCCA
$
2,247.1

67
%
 
$
1,903.9

71
%
 
$
71.8

12
%
 
$
55.3

18
%
CAIP
332.4

10

 
254.7

9

 
93.8

15

 
72.9

24

FHCF1
86.0

3

 
18.5

1

 
0

0

 
0

0

NCRF
84.4

2

 
78.1

3

 
33.8

5

 
34.0

11

NFIP
11.6

0

 
27.8

1

 
58.7

9

 
55.9

18

Other
3.1

0

 
2.9

0

 
1.0

0

 
0.6

0

Total Regulated
2,764.6

82

 
2,285.9

85

 
259.1

41

 
218.7

71

Non-Regulated:
 
 
 
 
 
 
 
 
 
 
 
Commercial Lines
459.5

14

 
254.2

10

 
352.9

56

 
79.2

25

Property
146.8

4

 
147.7

5

 
14.5

3

 
11.8

4

Other
8.0

0

 
8.3

0

 
0

0

 
0

0

Total Non-Regulated
614.3

18

 
410.2

15

 
367.4

59

 
91.0

29

Total
$
3,378.9

100
%
 
$
2,696.1

100
%
 
$
626.5

100
%
 
$
309.7

100
%

1Prior year amounts were reclassified from "Other" to conform to the current year presentation.