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A clogged sewer line is not typically covered by homeowner’s insurance, though some sewer line issues are covered. For instance, damage related to a fallen tree is usually covered. Though sewer line replacement is not covered in a standard insurance policy, some companies offer add-ons for this purpose. Read the fine print before spending your own money.

It is safe to flush small amounts of bleach down the toilet. Don’t flush more than ¼ cup of bleach. Instead, consider diluting it and pouring it down the sink drain.

A saturated leach field can result from various underlying issues, so it's best to call a professional septic company to diagnose and treat the problem. Depending on the cause of the saturation, potential fixes include pumping out a full septic tank, adding more bacteria to the tank, or regrading the soil to fix low spots. It may also be necessary to reroute rainwater and runoff away from the leach field using gutters, downspouts, and extenders. Once the primary issue is resolved, planting specific types of vegetation over the area can help absorb excess water. In more severe cases, you might need to install a larger septic tank or replace the leach field entirely.

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.