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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.

An active cleaning agent and a drain snake is the best way to clean a main sewer line. You can purchase a regular or enzyme drain cleaner or make a DIY drain cleaner with baking soda. Use your chosen solution at least once a month or as needed to keep your sewer line clear. 

Some of the most common plumbing problems in mobile homes are frozen pipes, leaking pipes, clogged drains, and low pressure. Since the pipes in a mobile home aren’t as insulated as those in a standard build, they’re more susceptible to fluctuating temperatures and damage. 

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.