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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.

There are several common signs that your main sewer line may be clogged. Key indicators include multiple fixtures in your home draining slowly, gurgling sounds coming from drains or toilets, and water backing up into showers, sinks, or toilets. You might also notice water backing up from the plumbing system's drain cleanout, water in your basement drain, or unexplained wet patches on your lawn. Foul odors, such as the smell of raw sewage or rotten eggs, are another common symptom. The most reliable way to confirm a main sewer line clog is to hire a professional plumber to perform a camera inspection.

If you’re wondering whether rats can come up the toilet, the unfortunate answer is yes, it’s possible, though it’s extremely rare. These rodents are excellent swimmers and can travel through sewer pipes in search of food, and they may follow plumbing lines leading to your home if they’re drawn by the scent of scraps and waste. The toilet’s U-bend holds a small pocket of air, which can help a rat catch its breath before making its final push into your bathroom. While more common in cities with larger rat populations, this can happen anywhere with connected sewer systems; sealing entry points and keeping drains clean can help reduce the risk.

A sewer line should be cleaned at least once every 18 to 22 months. The process takes about 30 minutes or up to 5 hours, depending on the size of the line, how easy it is to access, and how long it’s been since the previous cleaning. If your sewer line hasn’t been cleaned in a couple of years or you don’t even know the last time it’s been cleaned, it’s time to call a pro.