They are called an attractive nuisance. You can have them, but you better have extra coverage for them. There are lots of little ins and outs on home owners insurance many folks don’t know about. Like if you own over 10 acres, even if you aren’t farming on it you have to have a farm policy. Got cattle or horses? Extra policy in case they get out on the road and cause a wreck. Where water is concerned you are covered on what comes down, but not what comes up unless you have flood insurance. List goes on and on. That’s why everyone should review their policies periodically because the rules change often.