IANALAIANYL. In the days before the internet, I had a family member who worked for an insurance company. Buried deep in the contract was language that allowed agents of said insurance company to come on the property at any time. Her job basically was to go to people’s houses and walk around taking photos, usually at policy start or in the case of a claim - before and after. If anybody harassed her, they were at risk of having their home insurance dropped. This was Miami in the 1980s fwiw.