This is a government run fire protection service, not the libertarian privately run one. The big difference is the incentive or lack of incentive of the public service to respond. A private company could surely respond, then stick the homeowner for a large bill.
You can certainly pay the full bill for this type of service. Maybe not right away, but over a year it could easily be done.
Healthcare can likewise be paid out of pocket. The purpose of insurance is for situations where a person could not financially handle a sudden large liability. Like cancer. Not like fire protection services.