As it will increase the value and cost to re-build your home, a new conservatory will usually affect your home insurance premium. You should speak to your insurance provider before work starts on your conservatory to ensure that you have appropriate cover in place.

Modern conservatories feature highly secure multi-point locking systems and 

Your installer will have their own professional insurance policy that covers them during the building process and in the event that anything is damaged due to their work, and your conservatory will also have a separate insurance backed guarantee that covers the frames.

The usage of your conservatory should not affect your insurance, although if you are installing expensive electrical equipment or a home office in your conservatory, that may need to be taken into account for your policy.