So I just went through this whoooole situation for AKL, right down to buying my trip insurance. My trip dates are Oct. 29 - Nov. 5, and all 3 point broker companies had long wait lists for AKL points. After getting on the waitlist at David's, we saw our room type (standard studio at Jambo house) start to book up for our dates - we started to worry we wouldn't get anything by the time the 7 month window opened up. That's what pushed me to look at the rent/trade board here, and I found someone who owned at AKL. After thoroughly researching every scenario, we decided to go for it and rent directly from an owner! We checked references and she was very nice - made our reservation and already linked it to
MDE. Had to upgrade to a Savannah view for our dates though.
We bought our trip insurance today and I talked to them on the phone to make sure they would cover this type of reservation - they do, as long as we have proof of payment. They are also one of the few that cover cancellation due to hurricanes, which is what I wanted. Very affordable - it is the "worldwide trip protector" plan by Travel Insured, FYI. Just be aware that we did not spring for "cancel for any reason", as it wasn't worth it for us (you can't get back the full cost of the trip and it costs more), so I don't know if they offer that or not (other companies do). We would only cancel if something very serious happens, which they cover.