The Free Methodist Church in Burlington's North End was being rebuilt by the Phelps before it caught fire.
The city took one step closer to regulate taxis in Burlington, but something was missing.
"It's something you don't need, but when something like this happens, you do need it," said Burlington resident Michelle Maynard. Looking back Maynard wishes she bought renter's insurance.
Both insurers and customers say they want to see increased access to treatment but there could be consequences for all rate payers.
Monday small business owners offering coverage have to notify their insurer what they want to do or automatically be enrolled.