 So by the end of the year, the state plans to make big changes that the industry wants. In return, insurers must write more policies for people like Jim Boyd. So it's really a carrot and stick. Carl Sussman is an insurance broker and owner of Sussman Insurance Agency in Los Angeles. He explains companies like Farmers, State Farm, and Allstate will be required to offer policies to 85% of homeowners in places categorized as wildfire distressed areas. That's the condition of getting what they want.