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Yes, hiring a drain cleaner is worth it, especially when compared to the cost of not being able to use a sink, shower, toilet, or bathtub and the potential damage that flooding can cause in your home. You might try a temporary drain cleaning liquid or snaking it yourself, but if the clog is out of reach or these methods do not work, then hiring a professional drain cleaner is the way to go.

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.

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.

Regardless of the drain cleaner type you choose to use, they all work through chemical reactions that create heat. Thanks to the heat, the clogged hair begins to dissolve until it is able to be flushed away. To avoid clogs in your drain due to hair, use hair catchers and empty them out after every shower.