Having homeowners insurance is not the same as paying a voluntary assessment for the volunteer fire department.
If there was a mortgage the lender would require homeowners insurance or they would charge the homeowner for a policy the lender takes out - at a much higher price.
Wonder if the house was paid off and if it was, there would be no requirement for a homeowners policy.
If 'one' had a second domicile ( say a new girlfriend's place), and the house was free and clear, and obviously 'insured', then one would stand to make a lot of money if the place burned so bad it was condemned.
So, not having FD services would be of benefit in ensuring the house burned to the ground.
Then 'one' could take his new girlfriend on a Cruise ship to the Bahamas, and not even have to pay for 'pet watching' services anymore.