Homeowners face multiple risks to their property at any given time. Some are inevitable, like the general wear and tear that comes with the passing of time; others — like damage from weather events or theft — can unexpectedly strike without warning. To cover all the risks that can affect an insured's home or their belongings, many opt for homeowners' multiple peril policies for broader coverage. According to the National Association of Insurance Commissioners, in terms of direct premiums written and earned, many insurers are leading the charge in this line of coverage. The industry total for direct premiums written and direct premiums earned were $98,668,261,511 and $96,222,037,493, respectively. Their cumulative market share tops 75%. The current report is based on filings received by March 11, with an estimated 97.74% of property & casualty filings received. The full 2018 Market Share Reports for Property/Casualty Groups and Companies will be available this summer and will contain more in-depth information. With this in mind, presented in the slideshow above, here are 2018's top 25 groups and companies for homeowners' multiple peril. Related:

• Top 25 P&C insurance groups and companies in 2018, according to NAIC
• NAIC names 2019 committee chairs and vice chairs