Downunder back in the 1800s the first fire brigades were private and run by insurance companies. If you werent insured you burnt to the ground or had to rely on the neighbours with buckets.
The result of this debacle was the formation of the MFB Metroploitan Fire Brigade. We have one of the best in the world and have a response time in cities and towns of about 5 minutes.
Up the Bush, we have the CFA Country Fire Authority which has a core of paid staff but is 90% volunteers and response times vary from a few minutes to 30 min, depending on how isolated you are.
All household and business insurance contains a fire levy, for houses it is less than a hundred dollars a year and that moneyt goes to the fire brigade.
If your house burns and you have no money, you dont get a bill. We still believe in a bit of social justice down here.
If you are insured, the insurance company pays for the firies efforts.
If you are an idiot and cause false alarms, you can expect a bill of about 500 bucks.