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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.

If you’re not using a septic system, problems with your home’s plumbing won’t cause this—it’s a city problem. A large blockage in the municipal sewage lines may cause those lines to back up into your home. This is extremely unpleasant and can be a serious health risk due to bacteria and other contaminants. If this occurs, call a pro (or your city) immediately.

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.

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.