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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 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.

The best practice is to clean the sewer drain lines in your home once a year or every two years. Older homes could require more frequent maintenance. Keeping up on cleaning your sewer lines can prevent severe clogs, help ensure your system is working properly, and prevent expensive repairs.

Never pour used motor oil down the drain. Doing so can have serious environmental consequences, including contaminating groundwater, endangering animals, and killing vegetation. It can also clog your pipes, causing backups in your plumbing or the wastewater treatment plant. In most places, pouring motor oil down the drain is illegal, whether you do it in your home or a storm drain.