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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.

Avoid flushing non-degradable items, schedule regular inspections, and address minor clogs promptly.

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.

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.