Yes, sorry, I've updated my comment; the fixture actually does have CE, it's CSA/UL that were missing. My apologies.

IIUC Chinese manufacturers often put the "CE" mark on things that haven't been certified, and rationalize it as the mark meaning "China Export"

I have never heard of a case of a homeowner's insurance claim being denied based on imrpoper DIY work. One of the main points of insurance is to protect you against your own negligence.

Still, I would make the same decision and steer clear of such lighting fixtures!