DVC Store lists on their web site that they take a "full non-refundable payment either via paypal or by check" under the "Rent DVC" page on their web site. If you mean DVC Rental Store, they lists in their FAQs that reservations are non-refundable and all sales are final, but they do offer a "cancel for any reason" insurance that's an optional add-on. Of the brokers I am familiar with, I've never heard of one that has differing cancellation policies between premium and non-premium resorts, so I'm not sure where that's coming from? From what I know, owners would be out points if they don't bank by their deadline regardless of the resort, so I'm not sure why a resort being considered premium or not would make a difference in terms of the cancellation policy.