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.

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.

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. 

To prevent drain clogs, perform regular maintenance and cleaning. Avoid disposing of substances like grease or coffee grounds down the sink. Additionally, installing and routinely using drain strainers can help catch debris and prevent blockages from forming.