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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.

It's advisable to have your sewer line inspected every three to five years to ensure its proper functioning and detect any potential issues early on. However, the frequency of inspections can vary based on factors such as the age of your sewer system, the type of pipes used, and your property's location. If you notice any warning signs like slow drains, foul odors, or sewage backups, it's essential to schedule an inspection promptly, regardless of the regular maintenance schedule. 

You could be smelling sewer gas in your kitchen because of a dry P-trap, clogged vent pipe, or leaking plumbing seals. If you smell a rotten egg odor, check your sink’s P-trap and plumbing connections first. A clogged or damaged vent pipe can trap sewer gas and push it back into your kitchen through the plumbing pipes. Loose or deteriorated seals around drainpipes can also allow sewer gas to leak out. If you can’t find the source, call a local plumber for expert help.

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.