Take out insurance if you are going to rent out as PIC, which sounds like your intention. Check the exact situation if you are going to fly with an instructor. The consequences of flying without cover could be eyewatering for your wallet.
I had the misfortune (ok - finger trouble) of landing a US rented glider with the wheel still neatly stowed. At my home club the minor scrape would have been sorted with an overnight in the workshop and £50 worth of materials. At the commercial fbo the aircraft was sent off to the local professional repair shop and returned about a week later. The insurance claim for the repair was significant but overwhelmed by the claim for loss of use of the aircraft for a week. Fortunately I had taken out the full monty insurance and the cost was negligible compared to the claim. Money well spent.
Jim