Additional notes:
Rates: may change as supply and demand changes, however, your rate remains constant once booked!
12.5% tax: must be collected and remitted
Cleaning Fee: $100 
Refund Policy:  

• If canceled more than 90 days before arrival date:
  • 100% Full refund
• If canceled 90 or fewer days before arrival date:
  • 100% full refund IF the nights you booked are re-booked by another traveler. 
  • If some of the nights are booked, you will be refunded for those nights.
  • Your refund will be returned after the replacement guest has paid the final payment for some or all of your days.

ConsumersAdvocate.org compares various travel insurance companies and wrote the article:
Do I really need travel insurance?