Does anyone have advice on how to navigate the insurance claim to maximize payout?

Definitely get your personal financial situation stable so you have a good foundation to leverage off of for years to come.

I think the insurance plan I can rely on for the pension increases my ability to leverage myself without worrying about losing everything as much.

A more stable of building wealth is to have as many rental properties as possible before I'm forced to retire from my physically demanding job, The safer route seems to be to pay off the mortgage rental as fast as possible, which I'm doing.

A more stable of building wealth is to have as many rental properties as possible before I'm forced to retire from my physically demanding job, The safer route seems to be to pay off the mortgage rental as fast as possible, which I'm doing.

I'm shopping for a new commercial insurance carrier for this.

I'm also super skeptical that you can insure $1,000,000 of building value and get liability insurance for $800.Another thing that makes this hard to analyze is the missing input values, namely repair costs and equity.

I'm in escrow for my first BRRRR right now and it just occurred to me I need to get some insurance. 

Not really sure about what the protocol is when it comes to this, and there's no way I'm contacting my insurance company because I don't want increased premiums.

Insurance companies pay me to do it for them.