Just my personal opinion:
第一，我们是否有权力让校车开到楼下。
NO. You can request for it or petition for it but you do not have the right to order them to do it.
第二，校车的保险如果包括私人物业，是否会比较贵？
Of course. And most insurances won't cover anything like that. Even if your own vehicle insurance won't cover if you drive into/onto some private properties. One entreme example is that you drive into someone else's farm where there is a sign says "private property, no trespassing", then you are violating several laws and no insurance will cover any losses.
I am sure it is written in your policy. So it is the same logic for the school bus.
第一，我们是否有权力让校车开到楼下。
NO. You can request for it or petition for it but you do not have the right to order them to do it.
第二，校车的保险如果包括私人物业，是否会比较贵？
Of course. And most insurances won't cover anything like that. Even if your own vehicle insurance won't cover if you drive into/onto some private properties. One entreme example is that you drive into someone else's farm where there is a sign says "private property, no trespassing", then you are violating several laws and no insurance will cover any losses.
I am sure it is written in your policy. So it is the same logic for the school bus.
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