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Yes, sewage smells can originate from a floor drain. If the P-Trap in the floor drain dries out or if there's a clog or other issue in the plumbing system, sewer gasses can escape through the drain, causing nasty odors. Regularly pouring water into the drain helps maintain the water seal and prevent those smells, but if the smell persists, you should have a plumbing professional inspect the drain for potential problems.

It’ll take 20 to 30 minutes to unclog a sewer line using a drain snake or drain cleaner. If you hire a professional, you should expect them to be on-site for three hours or less. In addition to clearing the clog, they’ll do other routine inspections, which adds to the overall time (and cost) required.

If your drain doesn’t have metal crosshairs or crossbars, you should use a tub drain extractor. These tools create a grip on the drain so you can turn it using a 1/2-inch ratchet drive, drain key, or wrench. Your drain may not have crosshairs if it's old and broken.

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.