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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.

Your home has a few telltale signs of a sewer line problem. If you notice multiple plumbing fixtures (toilet, sink, or shower drains) appear to be clogged, call a plumber ASAP. Also, if water appears in the tub or shower when you flush the toilet, you likely have a sewer line issue. A sulfur (rotten eggs) smell and bubbling or gurgling noises at the drain also warrant a check. And keep your eyes peeled for changes to the yard, such as a new indentation or mysteriously soggy grass.

Snaking a toilet is similar to clearing sinks and bathtubs, but there are unique circumstances where you’d have to drain, disassemble, and remove the toilet to fix the clog. For stubborn clogs in the toilet trap, a toilet auger—designed with a shorter cable and a protective plastic encasing—can navigate the tight bends and clear the clog without risking damage to the porcelain. 

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.