The Kingston fire in Conception Bay North has exposed a critical vulnerability — a large share of residents had little or no insurance.

Local estimates suggest that 60% to 70% of households were uninsured, while many of those coverage carried only partial protection.

According to a report from The Telegram, high premiums remain a major barrier. Without fire hydrants in many communities, insurers assign poorer Dwelling Protection Grades, making policies more expensive. Michael Currie, vice-president at Fire Underwriters Survey, explained that communities with stronger firefighting capacity and reliable water supply generally qualify for lower premiums. He later confirmed that the installation of hydrants and other public fire protection improvements can reduce costs by 20% to 30%.

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