1. Where do you see if there is a resort fee, which I think would mean it was not a Disney property?
When you click on a property and look at the listing, under the red "book now" button (on HW), there will be the resort fee listed in fine grey print. It'll be on the next page too, when you review your cart before confirming purchase, listed under something like "mandatory fees" collected by the hotel.
2. If I check Bonnet Creek and resort shuttle, that is most likely a Disney property?
Yep! Combined w things like free wifi, free parking, that pretty much spells on-site property.
3. Has anyone seen Bonnet Creek and resort shuttle and it has not been a Disney Property?
Not yet -- I'm not sure any of the properties in the area besides Disney offer a *free* resort shuttle. I suppose this could happen, but most of the hotels (like Swan/Dolphin) are just going to point you to Mears for a paid shuttle service. But, so far, I have not seen as such.
4. Is there trip insurance that you can buy and cancel if you need to?
I think so. You can see this on the same page where you review your selection and look over the cart, enter credit card info, etc. Where you'll see total charges etc. HOWEVER, the trip insurance needs to be read carefully, as I'm pretty sure "I don't like the hotel I booked" is not an eligible reason. I think the cheap trip insurance might just cover extreme illness/sudden emergencies of that nature, but anyway, do read it.
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wanted to say, separately of this, that I have noticed the prices go up and stay up for a lot of the properties with the exception of Pop. Haven't seen POFQ for last minute trips and getaways at the coveted $98 for a while -- I see it hovering around $140-170/nt. Same w CSR; it was usually around ~$90-98 but now looks like the lowest is $114-117.
this makes sense with all of the steep summer discounts publicly offered on Disney's sites -- looks like it was indeed pretty slow this summer. compare that to the less aggressive public discounts and less resort availability going into the fall season.
as well, the AP discounts are pretty comparable to some of the HW prices once you account for the inflated taxes/fees on HW. for a trip next week, the AP rate amounted to like $13 more (total) booking direct over HW, which I gladly took over the hassle of getting my res conf # linked to MDX.
TLDR: prices are changing, all the time! have a backup reservation at a price you can stomach!