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There are many things that could cause your basement floor drain to back up. One significant cause of a drainage backup is flushing non-flushable items, such as wipes, paper towels, and facial tissue. Other causes of a backed-up basement floor drain include tree roots impeding the drain pipe or an accumulation of hair, oil, and grease. 

You should not attempt to snake your sewer yourself. Accessing and snaking your sewer requires heavy-duty equipment, and while renting is possible, misusing it can damage your sewer main and leave you with very expensive repair costs, not to mention potential environmental issues and severe water damage. Accessing your sewer also exposes you to hazardous sewer gasses, and failing to seal the sewer properly after work can be very dangerous. It’s always best to hire a professional sewer cleaner near you to handle this type of work.

Snakes can occasionally enter homes through shower drains, although it’s quite rare. This can happen when they follow sewer pipes or accidentally find their way into plumbing systems. To minimize the risk, consider installing drain covers or stoppers on your shower drains. Always keep drains closed when they’re not in use, especially in areas where snakes are known to be active.

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.