Are you suggesting every insurance company would have to establish their own fire department in each and every town or that most of their customers are going to have to be willing to wait for their regional branch to respond from 20 miles away? Assuming they’re not already busy elsewhere. And what about car accidents and gas leaks and people falling through the ice and forest fires or a fire that spreads between multiple buildings all protected by different insurance companies?
I don’t think your suggestion is very practical.
