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If you’re wondering whether rats can come up the toilet, the unfortunate answer is yes, it’s possible, though it’s extremely rare. These rodents are excellent swimmers and can travel through sewer pipes in search of food, and they may follow plumbing lines leading to your home if they’re drawn by the scent of scraps and waste. The toilet’s U-bend holds a small pocket of air, which can help a rat catch its breath before making its final push into your bathroom. While more common in cities with larger rat populations, this can happen anywhere with connected sewer systems; sealing entry points and keeping drains clean can help reduce the risk.

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.

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.

You should not attempt to snake your sewer yourself. Accessing and snaking your sewer requires heavy-duty equipment, and while renting is possible, misusing it can damage your sewer main and leave you with very expensive repair costs, not to mention potential environmental issues and severe water damage. Accessing your sewer also exposes you to hazardous sewer gasses, and failing to seal the sewer properly after work can be very dangerous. It’s always best to hire a professional sewer cleaner near you to handle this type of work.