if you are carrying a 3rd party insurance,it doesnt really matter if you are rooted or not. as long as youve paid the premiums and deductible they could care less. if you go a step further than htcdev unlocking,and s off,then all visual traces of having rooted/unlocked can be removed.
nothing wrong with not rooting. the one is slated to recieve 4.2,tho unfortunately none of can say when
be aware that rooting will mean for the most part that you can no longer recieve OTAs,so whenever updates occur,you will need to update the phone manually by installing the new firmware package,then flashing an updated rom in recovery.
a coupld links:
The HTC One root thread
TWO s off methods!
[how to]return to 100% stock from revone or moonshine s off