Hello, I am not a DVC owner, but I have already rented from a member and am considering renting much more. I called the insurance company and am satisfied that they have a very liberal definition of what constitutes an event for which cancellation is covered (ie, sickness in the family as remote as a cousin, etc). They also were proud to tell me they pay up to $15,000. Great. So the next question was that I am renting 175 points, how much will I get reimbursed if I have to cancel due to a covered event? Answer: Don't know. Disney sets value, I have to call Disney. Of course, I am not a DVC member so disney won't talk to me. I have heard they value the room at rack rate (one of the DVC members who posts here told me that) and I have heard around $6 per point (another DVC member who posts here told me that). Anyone know?