Try to avoid non-refundable reservations is your best bet.
My wife is a travel agent and in the normal travel insurance world, they have been calling out covid related as not covered on newly issued policies.
PS: Michigan campgrounds start shutting down mid October, so make sure they will even be open. On the positive side, running without reservations is much more viable, particularly on weekdays since kids are mostly back in school.
Tammy & Mike
Ford F250 V10
2021 Gray Wolf
Gemini Catamaran 34'
Full Time spliting time between boat and RV