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Homeowners insurance usually doesn’t cover sewer backups because it’s typically an avoidable problem with proper maintenance. The only exception would be if the backup is occurring because of local flooding and only if your city uses a combined drainage system for stormwater and sewage. If that’s the case, your policy should cover any resulting damage.

With a one-way cleanout, you can access your sewer line from one direction. Depending on the way it curves, a plumber can either access the side of the pipe that goes into your home or the side that goes to your yard. On the other hand, two-way cleanouts allow pros to access both sides of the sewer line, thanks to their dual-pipe design (they’re usually U-shaped).

It's advisable to have your sewer line inspected every three to five years to ensure its proper functioning and detect any potential issues early on. However, the frequency of inspections can vary based on factors such as the age of your sewer system, the type of pipes used, and your property's location. If you notice any warning signs like slow drains, foul odors, or sewage backups, it's essential to schedule an inspection promptly, regardless of the regular maintenance schedule. 

It is generally safe to stay in a house that smells like sewage for a short time, but you should get the problem fixed as soon as possible. While the level of sewer gas is usually low enough to only cause minor symptoms, prolonged inhalation can lead to headaches, nausea, or respiratory irritation. High levels of gas exposure can be more dangerous, and high concentrations of methane—a component of sewer gas—can pose an explosion risk in enclosed spaces. If you smell sewer gas in your home, ventilate the area and call a professional to locate, assess, and fix the problem, as it will not go away on its own.