
to the Dis!
I cant answer your question about insurance, because we have separate
travel insurance through our Visa card (so we dont purchase the additional coverage). Perhaps someone else can weigh in on that for you!
Another Diser, pigletto, stayed at SVR back in December via a Skyauction reservation, and enjoyed a week in a lovely unit in the Cascades section. I honestly dont think there are too many crappy units, per se.....and if you do happen to be assigned to a villa that doesnt meet you expectations, regardless of how you booked your stay, I would return to the Welcome Center to share your concerns and request to be switched to something more suitable. The whole resort is lovely, and there are a LOT of villas on property, so unless you are visiting during a very busy time of the year (which, with the $470 rate you received for your week with no other date surcharges, I am guessing is not the case) then they should be able to ensure you are satisfied with your unit.
Shuttle service is complimentary for those people who book a hotel or nightly stay through Sheraton. For owners and exchangers (which I believe Skyauction would be considered in the latter category) then there is a fee for the shuttle.
We have stayed on both sides of the resort....the north and the south (see the property map here):
Loved both locations

. Preferred the Fountains area to the Spas, but honestly.....the whole property is gorgeous and each section has its merits. With our 1 bedroom reservation in May, we could end up in either the Lakes or Cascades (the only two sections that offer one bedroom villas)....and we will leave it up to fate as to which area we are assigned. I know we will be very happy in either location.