Video object insertion requires ensuring spatio-temporal coherence and interactive realism, extending far beyond simple content placement. However, current approaches are often hindered by a reliance on explicit motion engineering or resource-intensive retraining, restricting their flexibility and generalization. To bridge this gap, we present \textit{SimInsert}, a training-free paradigm that efficiently decouples the task into intuitive single-frame editing and semantic motion description. By harnessing the robust generative priors of image-to-video diffusion models, SimInsert propagates edits temporally, strictly preserving background invariance while enabling plausible, text-driven interactions between the inserted object and the dynamic environment. Our approach hinges on non-invasive guidance mechanisms that enforce structural consistency, facilitate seamless boundary fusion, and counteract the fidelity drift that typically accumulates during the denoising trajectory. Extensive quantitative experiments validate our efficacy: SimInsert surpasses state-of-the-art methods with an 18.8\% gain in PSNR, 20.1\% in SSIM, and a 44.1\% decrease in LPIPS, offering a streamlined solution for high-fidelity video editing.