The couple made the right choice by not paying the $75.00 per year to the fire department to simply protect a trailer house.
First, the homeowners insurance should cover much of the loss and second, the fire department would have likely not saved the trailer house from being destroyed even if they had put out the fire.
“First, the homeowners insurance should cover much of the loss and second, the fire department would have likely not saved the trailer house from being destroyed even if they had put out the fire.”
I wonder if the insurance (if any) would be voided by not having fire department protection, (or even “contributory negligence”). The town I grew up in had equipment and specially-trained personnel lesser in number but as good as any big city, because it had a (good tax-paying) industrial area. Because of this, we would get the lowest rates possible on home insurance. An insurance company would be out of their minds to insure any structure without some sort of fire protection.