Fire protection should be a for-profit enterprise. If you buy the protection, you get protected. If not, not.
That's freedom.
Fire insurance?
FYI - the fire fighting services in any district are essentially for profit, only difference being it is the district that takes the cash and allocates it in full rather than the private sector.. Just 'cause there is no fat bank account doesn't mean that the services are not a result of a capitalist ideal