We’ve gone through this before. Yes, I’ve checked it out (I’ve had house insurance in both Rupert & Terrace).
I’ve also posted the guidelines in an earlier thread for how insurance companies assess the fire risk. I’m sure someone can find that old thread.
Any less than 3 full-time firefighters on duty means an increase in rates.
You were wrong last time, and you’re still wrong. Here’s a link to the old thread.