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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.

If you don’t have a sewer cleanout, clearing out clogs can be extremely difficult. You would need to try to clear the clog from sink drains, but it can be harder to reach the clog all the way in the drain line. A sewer cleanout makes it much faster and easier for pros to clear clogs from your main sewer line.

Most commercial liquid drain cleaners work in 15 to 30 minutes. Consult the label on the bottle for additional instructions or time suggestions to prevent damage to your drainpipes. Alternative solutions such as baking soda, salt, white vinegar, and/or boiling water can take longer since they are less harsh than liquid drain cleaners.

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.