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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.

Common drain issues include slow-running drains, whether in a sink or shower, clogged drains, a bad smell, and water backing up into a sink, shower, or bathtub. Causes range from hair, grease, roots, or toilet paper clogging the drainpipes to flooding outside the home, which prevents sewer lines from draining properly.

The cost to unclog a drain varies based on the location and severity of the clog. For simple clogs within your home, such as in a sink, toilet, or shower, hiring a plumber typically costs between $110 and $350, with an average of around $200. Snaking a toilet or sink usually costs between $110 and $275, while a bathtub or shower clog costs about $225.

For a more serious clog in the main sewer line, the cost is higher. Clearing a main line clog generally costs between $200 and $600, with an average of about $380. However, prices can range from as low as $100 for snaking a minor clog to over $1,600, particularly if advanced methods like video inspection and hydrojetting are needed for a large or hard-to-reach blockage. Some severe main line clogs can cost upwards of $1,000 to clear depending on factors like the cause of the clog, its distance from an accessible cleanout, and whether the pipe is located beneath an occupied space (e.g., in an apartment building). You may be able to save money on minor clogs by using a drain snake or bladder yourself.

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.