If you search for “home owner insurance non-renewal drone”, you should find tons of stories about it.

They may be hiring third parties, or doing it themselves, but regardless, it is happening.

Once again, to clarify, the smart camera thing has just been sitting in the back of my mind, not an accusation, just a concern as a possibility. Would probably be a fun investigation for an investigative journalist. Or just someone scouring those fun terms of service policies for language that might indicate such things.