With all due respect, I am spot on. The Fire Chief in Fairbanks recently lobbied to codify Fire Sprinklers for domestic dwelling  within the city limits , and was lobbied against by the insurance companies , and the AGC because of the additional, one time expense to the contractor( that would be passed on to the consumer ) of 5 or 6 thousand dollars. I am a retired Sprinklerfitter( in full disclosure ) and know a bit about that of which I speak. One needs far less fire insurance coverage when they have a Fire Protection Sprinkler System. Smoke alarms do nothing more than let you know you are on fire, Sprinkler systems extinguish fires. Hence there would be less justification for the high cost of fire insurance ( required by banks to qualify for a loan).