I really feel for you. My second payment to the DVC rental store is due on the 10th of April and all I can do is hope there is a clearer picture about whether or not the parks will be open as I don't want to throw more money at them that I'll never get back, but if I don't pay them and the parks end up staying open I'll have wasted all that money and have no recourse.
I emailed my agent at the DVC rental store and asked them to show compassion and allow the date of the second payment to be moved if it was still not clear what was happening in early April and even that they said no too. The agent even had the cheek to ask whether I wanted to add the new
Disney dining plan!
I really feel like they have me, you and all the others in our position over a barrel and even if (cross fingers) everything all works out OK I will never do business with them again. This policy of theirs that allows them and the owner to keep our money even if Disney refunds the points to them, so that they can profit from selling the same points twice is unethical.
I did buy travel insurance from where I live (in New Zealand) but they have invoked an epidemic exclusion - but that's a different battle!!
All we can do is hope that everything works out for us