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In the majority of cases, homeowners insurance will not cover a main sewer line root clog. The reason is that most insurance companies consider tree root damage to sewer lines as common wear and tear, which is also preventable. However, you may be able to buy optional add-on coverage, such as "service line coverage" or "sewer line endorsements," that would protect against root damage to your sewer line.

Yes, frozen pipes can cause a toilet to stop working correctly. If the pipes are frozen, water cannot flow, which can lead to two main problems. First, the supply line to the toilet tank may be frozen, which prevents the tank from refilling with water after you flush. Second, the drain pipe itself can freeze, blocking water from flushing away. As a temporary solution for a non-refilling tank, you can manually add water, but this is not a long-term fix. To clear a frozen drain pipe, you can try pouring warm water into the toilet bowl or tank and then flushing, as the warm water may help thaw the ice blockage. Ultimately, the best course of action is to unfreeze the affected pipes to restore your toilet to full functionality.

The first rule of plumbing is nothing but water, toilet paper, number one, and number two go down the drain. 

To prevent clogs, get yourself:

• A compast pail where you can clean plates, drain grease, and toss scraps and paper towels. 

• Drain screens for the shower, tub, and bathroom sink to stop hair, jewelry, toys, etc. from going down the drain.

• Trash cans for everything that shouldn’t go down the drain, like dental floss, hygiene products, and cat litter.

P.S.: If you do drop your priceless ring down the drain, take a deep breath, and then follow these steps to retrieve jewelry from your drain.

If you try a drain snake and various DIY methods for unclogging drains to no avail, bring in a professional plumber to assess the situation. Also, if multiple drains in your home are backing up or you smell sewage, a visit from a plumber is best. You can expect your drain cleaning costs to fall around $250, and this can include an assessment of what’s caught in your plumbing and if there’s a larger, underlying problem. You should also consider calling a pro if you need to snake a toilet, as DIYing this could lead to a cracked fixture.