I think I figured it out! I had an issue with the zones and geo_zones tables. I now have a ton of php warnings about undefined array keys and undefined properties but it did calculate the insurance fee correctly on the front-end when going through checkout. I haven't tested an actual transaction yet which I will handle tomorrow after I finally get some needed rest. If the transaction calculates properly I will post the updated plugin as well as installation instructions (The installer built into the plugin doesn't work with 1.5.8a)
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