Private firefighters are used by Chubb, State Farm, USAA and many others. (Credit: Amanda Bronstad/ALM)

As the LA wildfires raged this month, private firefighters hired by insurance companies were on the scene, working to minimize the number of homes lost to the flames.

Insurers used to only offer fire protection services to wealthier policyholders with high-dollar properties. But these days, they’ve become a standard part of regular homeowner policies in fire-prone states. USAA, Chubb, Farmers, Travelers, State Farm and many more contract with private firefighter services.

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