Depending on where you fly, and as long as you fly it as intended, you won't have any problems whatsoever. Also, the "trust" certificate thing is very simple and only takes a little while to complete. It's basically all common sense answers.
I have several drones over the last 5 or 6 years and have never had any type insurance on any of them. I make sure my batteries are charged, do my preflight check, take it up and wait for the "homepoint has been updated", and fly it. Have never...