Out here it's highly illegal to place habitat into our lakes with out goverment permision. Having said that, I will say its still done to some extent and offer up this idea that works well out here.

Do a little tree trimming around the homestead. Better yet, help a neighbor cut an old oak tree down and save the outer branches. We take tree branches (free) and a cinder block, or two, stainless wire (or concrete in a bucket) and sink the tree branches. Its simple and mostly free, and the habitat works real well for holding fish.

Cheers...