A county in Tennessee has fire services which are opt in. This is obviously what you want. One guy opted out and the fire department did not save his house. This raises two interesting questions:

1. Why aren't more people opting out? If they are, then where are the high quality fire services to take the place of the fire department?

2. Is the opt in solution really better? There are enough people out there that would be willing to opt out, and then they lose their house in the event of a fire. And it's not clear that insurance covered it - I'm sure they had a clause which stated that the insured's property would not be covered if the insured chose to opt out of fire services.