Another option is to find a place that does not require a deposit (just a credit card number to hold the reservation). This, of course would likely be for shorter stays of two weeks or less. Last year we were all set to stay at Palm Court in the Orient Bay area in late November/early December and they did not require a deposit of any type. When Irma struck there was nothing to be refunded. The airlines allowed us to rebook at no additional charge as long as we made alternative flight plans within a six month window. So, we opted for Cancun instead. And, as mentioned above trip insurance is readily available and often quite affordable. No need to worry.