Do you really believe that a majority of insurance holders own their home outright? They don't. Which means a financial institution, other than the "home owner" does. That loan binds the "home owner" to a set of responsibilities - one of which is keeping the home insured. This isn't a new phenomenon.
Taking photos from public airspace isn't "tyrannizing" anyone, as much as you seem to want it to be.
There is no defrauding going on. You don't own someone's behaviour or property simply because you "insure" them.
You get to reject claims and put your opinion on what "fraud" is, through the proper channels.
Taking photos and dropping customers is going around the proper channels and tyrannizing your customers.
How that is not obvious to everybody involved, is beyond me.
Drop the pretense and install a command economy again like the 1940s. You are leaning in that direction anyway.