I have a reservation (HA-JRCT*W) scheduled for **** to **** in Concan, TX. We are paid...

I have a reservation (HA-JRCT*W) scheduled for **** to **** in Concan, TX. We are paid in full at this time. I have been in contact with the homeowner who seems to be a very nice gentlemen (Abel). He has agreed that should Covid become and issue and shut the river down by the time of our trip, he will work with us and reset another date. My question is, is it to late to purchase insurance if we are unable to make the trip due to the situation? Would it cover us for this and reimburse us the *$****.** we've already spent. Any help and advice you can give me would be greatly appreciated as I look forward to your response. We are hoping that everything goes as planned and there wouldn't be a need for this, but no one really knows what this thing is capable of doing or shutting down. Just trying to plan accordingly and hopefully not be out lots of money. Thank you.