If my house is in danger, I'll call my fire fighting contractor.
Having fragmented, for profit, private emergency services seriously reduces the quality of service, capacity, response time, specialist equipment available, etc.
Firefighters also deal with road traffic accidents and the like, if someone was uninsured should their family just be left trapped inside a mangled vehicle because the breadwinner decided they didn't want to pay for cover?
Some things just work better when they are provided as public services and fulfill basic standards of common decency expected in a civilised society.
Also families being left homeless costs the taxpayer a lot more money than putting out a fire, unless they are left to sleep on the streets.
The fire service probably costs you less than $40 a year. Are you really that tight fisted that it causes you anguish to be 'robbed' by 'freeloaders' for such an amount? I would pay $40 just to not have to do the paperwork for a private contractor. My time is worth more than that.