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Original Message:
Cancellations and contracts redux... (by Tracey S.):
Some cover weather related closures, some do not, some cover only if the closure is within 14-30 days of a storm hitting (not long term closures). Some basically only cover you if you get sick or have an accident and can't travel and even then some have pre existing condition exclusions.
You have to read the policies and compare. https://www.travelinsurance.com/2017/04/compelling-reasons-compare-vacation-rental-insurance-coverage/ This site lets you put in your parameters and then compares the price and coverage. The comparison info only shows summary info so if you are interested in one you can ask for a copy of the complete coverage. They may make you buy and then give you a window to refund the coverage after examining the full terms.