Hi @Sue2110
I always suggest professional photos be done and it is the number one thing Hosts can do to improve their listing. The cost is minimal as compared to the ROI and can be written off on taxes as a business expense in most cases.
Exterior twilight photos have proven to be an excellent choice as a cover photo. You have a fantastic location right on the lake. I would try to capture the exterior of the home looking towards the water at an angle at twilight. Turn on all the interior/exterior lights and it would be helpful to have some exterior string lights somewhere. If you get professional photos, most will include an exterior, twilight drone shot. That would make a killer cover photo.