For your home. Install smoke and fire alarms, a security system, a sump pump and/or backflow valve... any of these are smart investments to protect your home, your belongings and your family.
For your vehicle. Keep your driving record clean – drive safely, obey speed limits and follow other rules of the road. That also means ensuring that anyone else who drives your vehicle drives smart as well (remember, when you lend your car you're also lending your insurance!). And be sure to review your coverage regularly – if your situation has changed (e.g. you're working more from home and commuting less) you might be able to lower your premium at renewal time.