Ingalsbee said he is alarmed by the rise of “Cadillac” insurance plans for wealthy people which include bespoke fire emergency response. “It’s for wealthy homes – the insurance company doesn’t want to pay for loss – so it’s cheaper for them to hire a crew and an engine,” he explained. “But they don’t defend the whole neighborhood or city block, that’s not their mission.” Ingalsbee is concerned about a future where access to firefighting resources is increasingly determined by income, or insurance policies. “It comes at the expenses of the public sphere,” he said. “And I don’t think it’s good for our communities.”