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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.

There are a few things that can happen to your sewer system if you don’t fix it. These include rainwater entering it and causing rust and corrosion, dirt and debris leading to blockages, small animals getting stuck inside and clogging your sewer line or entering your home, and shortening the sewer system’s life span. 

Without a cap, nothing prevents toxic and non-toxic gasses like methane and hydrogen sulfide from slowly escaping your sewer system and entering your home and the surrounding atmosphere, resulting in a foul sewer odor throughout your house.

Regular cleaning, avoiding grease disposal in sinks, and installing drain strainers help prevent clogs.

Your sewer line can get grimy quickly. To prevent sludge buildup in your sewer line, pour a mixture of 1/3 cup of vinegar and 1/3 cup of baking soda down each drain in your home once a month. After about 30 minutes, flush the drain with hot water.

Some plumbers recommend 3/4 cup of bleach instead to clean any germs and bacteria that may build up in your sewer line. But this won’t break down any active clogs, and it cannot be combined with vinegar, as the mixture will create a toxic, hazardous gas.