Thanks for reaching out. I have now transferred some points and am left with only 130 points for this year. Depending on the room view you select your stay in a two bedroom requires between 177 and 207 points (there is availability). So unfortunately I don't have enough points left to help you. I need to update this in my post heading.
I can give some guidance about PM on the Disboards and on insurance.
A lot of credit cards have
trip insurance as a benefit. I know my Chase Visa does, and it includes cancellation insurance. Maybe check your cards' benefits. If not, definitely look into purchasing directly from a company who specializes in that and possibly even your home owners or car insurance company. We have USAA and I believe they have travel policies.
Finally, once you have posted a certain number of times on the Disboards (I think it's ten) you can PM other members. To do so just hover over their profile picture and select Start Conversation from the pop up menu.
GOOD LUCK!
Ron