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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.

If you want to avoid using a snake to unclog a drain, or if you don’t have one, try vinegar and baking soda. Pour 1 cup of baking soda down the drain, followed by 1 cup of white vinegar. Wait for 15 minutes, and then run hot water (but not boiling water) down the drain to see if the clog is clear. Repeat multiple times as needed.

Regular cleaning, avoiding grease disposal in sinks, and installing drain strainers help prevent clogs.

Your sewer line can get grimy quickly. To prevent sludge buildup in your sewer line, pour a mixture of 1/3 cup of vinegar and 1/3 cup of baking soda down each drain in your home once a month. After about 30 minutes, flush the drain with hot water.

Some plumbers recommend 3/4 cup of bleach instead to clean any germs and bacteria that may build up in your sewer line. But this won’t break down any active clogs, and it cannot be combined with vinegar, as the mixture will create a toxic, hazardous gas.