Different insurance companies have different limits, and your coverage will depend on your individual policy. The allowable time to leave a property vacant can range anywhere from 30 days to a full year. Most home insurance policies, however, follow the 30-days rule. Once you exceed that, your insurance company may void your policy and deny any claims you make based on what might have happened in the time you weren't home. That means you've got to read your policy carefully, or contact your insurance broker to verify what that block of time is for you, which can vary depending on the reason your home is being left vacant.