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This depends on the location of the blockage. If the blockage is in your home’s system, anywhere in the system, it is your responsibility as a homeowner. Blockages seldom happen because of items or buildup coming from the city, which means it originates in the home. It becomes the city’s responsibility at the exact point your home’s line distributes waste into the city’s system. The exception is if the problem in your home damages the city lines.  

Using less toilet paper is the easiest way to prevent future clogs. Also, avoid flushing sanitary products, thick paper towels, or hair down the toilet. If you’ve been using a brick in the tank to reduce the water used to flush the toilet, take it out immediately. Bricks will eventually fall apart and clog your toilet drain. Keeping your toilet lid closed also helps avoid future clogs.

If you leave liquid drain cleaner for too long, it will start breaking down your drainpipes. The chemicals in these cleaners can cause cracks, corrosion, and leaks in your pipes. They can also damage plumbing fixtures and even cause environmental damage if left too long without rinsing away.

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.