That money would be much better spent buying real estate or throwing Christmases hams out to my tenants with enough left over to donate to charity. 

I'd give him a few real estate agents's cards as a lovely parting gift and then donate money to your local homeless shelter as gratitude for dodging that tenants bullet.

Last time I checked, the ROI on making donations to an insurance company for over-priced insurance wasn't that good lol

There may be a way to donate the property and write it off on your taxes.

Since most of us don't make the big political donations we have to watch our back.  

the question you need to ask yourself on any insurance, is what would you do in a total loss, if not replacing it, demoing the building and selling or donating the lot is ok for you then go with the cheaper, if you would want to rebuild then it may be worth the extra. 

I encourage people to donate to local charities, but agents never listen.

If they've left clothes and other belongings behind, you may want to document them and bag them up as the law does require storage of items for 30 days, at which point you can donate, sell, or throw away.

And he knows I plan on donating whatever I inherit from him to local charities he's supported his whole life, in his and mom's name.  

The labor usually gets paid on those shows, but many times the input players are acting for free (publicity and excitement of TV) and many materials are donated.