And when you can't afford the insurance for the fire department? How are these people taken care of by such a system? I'm sure we all know people who've hit very hard times at some point in their life through no fault of their own. As much as I like the idea of Libertarianism it can't see how these people would make it through those times.
For the record, I'm not not a libertarian, and I'm not proposing or defending this system - but smacktoward's comment was just too silly to even be called a strawman argument.
And when you can't afford the insurance for the fire department?
I would assume it would be the same if you couldn't afford your property taxes in today's system. You don't own a house?
I think the answer is "sell the house and move somewhere cheaper."