Build a deck?

[Steve D.]

hello,
I have a charmer of a bungalow I just closed on for a rent and hold. I have some room left in the rehab budget (as the roof work actually came in below budget!) and the backyard just screams for a deck and I think it would help sell the place to potential tenants while allow me to maintain a premium on the rent. My concern is that it could drive up my insurance costs (?)....but the deck is built on foundation, not above the ground, so basically will sit 6" above the grass line. Any thoughts?
thanks!