Before a home, contents, or car policy renews, get at least two other quotes for the same cover. Look at the excess, the exclusions, and what is actually protected, not only the premium. A cheaper policy that will not pay the claim you care about is not a saving.
Ask what you pay extra to split the premium into months. Paying the year in one amount is often cheaper, but only do it if the lump sum will not empty your cushion. If it would, the monthly plan may be the safer price.
Start this week
Find the renewal date for one policy and put a reminder two weeks earlier. That is the window for quotes.