The FAA doesn't really concern itself with "privacy", which is the primary problem that people have with these so called "drones" -- the FAA's concern is "safety".
And yet they also know that perfect safety is a pipe dream, and so they try to find a balance between safety and utility, and if they err, they try to err on the side of safety. And in the case of unmanned aircraft, they have erred *massively* on the side of safety so far.
The safety concerns of this are very small, and so there's really no reason for them not to do this, and I'm glad they're giving the permits -- it shows that they are finally relaxing their grip somewhat.
Now, if they had not permitted this, then the insurance company's other options are --
-- ladders (probably more dangerous than the R/C aircraft)
-- cameras on a long stick (probably works well enough for one story buildings, maybe not taller ones)
-- manned aircraft (expensive, probably more dangerous than the R/C aircraft)
-- camera on a kite (as dangerous as the R/C aircraft, often not practical, and the FCC may prohibit this as well)