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Thankfully, it’s pretty rare to find a rat in your toilet. It’s more likely in larger cities with big sewer systems that can be feeding grounds for rats, but even then, you still shouldn’t fret. 

“I wouldn’t worry too much about rats coming up through the sewers,” Bradshaw says. “I’d say only one out of a thousand rodent customers we get actually have this problem. And of the 20 or some customers that have had this happen, they’ve all only had just one rat come up this way.”

Knowing the signs can alert you to a clogged drain line. Clogs cause slow drainage or cause no drainage (if there’s a complete blockage). You may also notice foul odors, gurgling noises, water backing up in other appliances on the same line, or a poorly flushing toilet. If you experience any of these issues and think your line might be clogged, call a plumber.

Main sewer lines can clog for several reasons. For example, if you regularly dump oil or grease down your drain, it could eventually block your line. Sometimes, tree roots can penetrate and grow inside old sewer pipes, creating a major blockage. Flushing bulky items (like paper towels, diapers, or baby wipes) can also clog your plumbing system.

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.