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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.  

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.

Baking soda and vinegar is a great solution for cleaning your sink drain; in fact, it’s our preferred method. Here’s how to unclog your drain with baking soda and vinegar: Pour in a half cup of baking soda, then 1 cup of white vinegar, and let the two bubble for 15 minutes. Then rinse out with boiling water. This method is much safer than using a chemical drain cleaner gel.

While technically possible, it is unlikely that a clogged toilet will fix itself. Clogs caused by water-soluble materials like toilet paper or human waste may eventually break down in the water, allowing flow to resume. However, this can take time, and any clogs from solid objects require manual removal. In most scenarios, especially if you don't have another bathroom, it is best to fix the clog yourself or call a plumber.