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There is no grace period after signing a car lease. This assumes that there was no misrepresentation or fraud in the inception of the agreement. Also, dealerships generally display a No Cooling Off Period in the financing office and similar language is customarily on the lease and other documents.
The grace period for your homeowners policy will be listed in the policy. If you cannot find where the period is specified, contact your insurance company and ask them. If you discover that you will not able to make a scheduled premium on time, talk to your insurance company and ask them if you can extend the period.