Sorry it sucks, just know you are not alone. We had 9 nights in Hawaii booked through VRBOs and are losing about $4K. When I tried contacting the owners they were unwilling to offer any refunds (I asked to go 50/50). The only refund we got through owners was "cleaning fee" since they wouldn't need to do that. Wow, thanks.
When I contacted VRBO directly they told me the only thing they could offer was FOR ME to contact the owners to request refund, that they were "encouraging owners to offer refunds but ultimately the decision was up to owner." They were able to refund my service fees of $251 & $149 but that peanuts compared to what we lost. When I asked to speak to another representative who might help me further they told me "sorry this call is being unproductive so we're hanging up" I have encouraged people to use VRBO and airbnb because of awesome accommodations but NEVER AGAIN after this. (FYI-I did buy VRBOs
trip insurance too but of course it doesn't epidemics)