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If you’re wondering whether rats can come up the toilet, the unfortunate answer is yes, it’s possible, though it’s extremely rare. These rodents are excellent swimmers and can travel through sewer pipes in search of food, and they may follow plumbing lines leading to your home if they’re drawn by the scent of scraps and waste. The toilet’s U-bend holds a small pocket of air, which can help a rat catch its breath before making its final push into your bathroom. While more common in cities with larger rat populations, this can happen anywhere with connected sewer systems; sealing entry points and keeping drains clean can help reduce the risk.

In the majority of cases, homeowners insurance will not cover a main sewer line root clog. The reason is that most insurance companies consider tree root damage to sewer lines as common wear and tear, which is also preventable. However, you may be able to buy optional add-on coverage, such as "service line coverage" or "sewer line endorsements," that would protect against root damage to your sewer line.

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.

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.