Let's say the homeowner also stopped paying his homeowner's property insurance premium. I wonder how many people would expect the insurer to pay for his fire losses, anyway? How is that any different than the fire department, if you think it is? Would it be different if, say, the homeowner had lost his job and was simply unable to pay? Why?

On a related note, I wonder how the insurance company is going to view his failure to pay his fire department fee. They may well treat that as culpable negligence and deny coverage.