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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.

In most cases, drain cleaners will not clear a clogged sewer line, and they’re likely to damage your plumbing. Sewer lines are several inches wide, meaning any material that clogs it will need to be large. Drain cleaner can work on small clogs, but it usually won’t clear a larger one in a sewer main. Drain cleaners can also easily damage and corrode your plumbing with prolonged contact, and a clog will keep the cleaner in contact with the pipes for an extended period. Hire a professional sewer cleaner instead for a safe fix.

As a preventative measure, hydro jetting should be done every one to two years. However, the best practice is to hydro jet your sewer line once per year. The ideal frequency depends on several factors, including the age and condition of your pipes, how prone they are to clogging, how often the sewer line is used, and the type of waste disposed of in the system. If you frequently experience clogs or are unsure, it's best to ask a licensed plumber for a recommendation specific to your plumbing system.

Depending on the home, wastewater either goes into a septic tank and seeps back into the backyard or is sent via sewer system to a local sewage-treatment plant. Septic systems naturally separate different components of the waste so that it can naturally and safely disperse it. They are usually reserved for homes not served by a municipal sewage department (like rural homes). A treatment plant, on the other hand, speeds up that process through screening and purification.