Depends on the state.
In California, there s NO RIGHT TO GENERAL INSPECTION, even if it is written on your contract, that section is void.
See california civil code 1953 and 1954.
Under 1954, the landlord can ONLY enter the unit for these enumerated reasons:
(a) A landlord may enter the dwelling unit only in the
following cases:
(1) In case of emergency.
(2) To make necessary or agreed repairs, decorations, alterations
or improvements, supply necessary or agreed services, or exhibit the
dwelling unit to prospective or actual purchasers, mortgagees,
tenants, workers, or contractors or to make an inspection pursuant to
subdivision (f) of Section 1950.5.
(3) When the tenant has abandoned or surrendered the premises.
(4) Pursuant to court order.
(1950.5 is the pre-move out inspection)
THERE IS NO RIGHT FOR ANNUAL INSPECTIONS IN CALIFORNIA, PERIOD.It does not matter if your insurance carrier wants you to, you cannot violate a tenant's privacy.
Under 1953, even if your lease says they can, that section of the lease is VOID:
(a) Any provision of a lease or rental agreement of a
dwelling by which the lessee agrees to modify or waive any of the
following rights shall be void as contrary to public policy:
(1) His rights or remedies under Section 1950.5 or 1954.
So even if your lease says they can come in once a month, they still must abide by 1954.
Link to the DCA plain english document that explains this:
www.dca.ca.gov/publications/landlordbook/living-in.shtml