I get this question an awful lot, and truthfully, I’m not really sure. I want to say no, but you’d want to confirm that your home insurance provider.
However, what I can tell you, are the things you can put in your lawn that can potentially affect your home insurance.
1.) A dog can raise your insurance rates if he or she is on what many people call a “bad dog list.” This list contains a series of different breeds that have been reported to attack or turn on people. Despite the fact that there is no such thing as a bad breed, many communities still stick to this list and some providers might not like you owning a “bad” dog.
2.) A pool might make a nice addition to any yard, but depending on the type and the provider, it could really ramp up your rates in the end. As a lawn lover, myself, I would recommend you skip on the pool. No sense in obscuring all that beautiful space.
3.) A jungle gym or swing set could potentially raise your rates if your provider sees it as a dangerous modification to the property.
Most importantly, aside from mowing and watering your lawn, you also want to make sure you keep your yard free of any debris and anything else that might be considered hazardous. Old pieces of roofing, tacks, nails, etc. Keeping your yard free of this debris can prevent you from having to file a claim in the end. NebraskaHomeInsurance.com can help answer more questions about how to avoid filing claims.