Every insurer
writing a fire policy or fire policy in combination with other insurance
coverages shall provide coverage for the cost charged by a volunteer
fire department that is not fully funded by real estate taxes or other
property taxes for service charges where the fire department is called
in to save or protect property insured under such policy from a peril
insured against. The limit of such coverage shall be no less than
$250. Higher coverage limits may be offered by an insurer for an additional
premium. Any bill for such service charges shall be sent to the owner
of the property for which the services were rendered. The amount billed
shall not exceed the limit of such coverage. This coverage shall not
apply to service charges made in response to a call outside of the
volunteer fire department's fire protection district, city, or municipality
pursuant to a contract.