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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.

You should not attempt to snake your sewer yourself. Accessing and snaking your sewer requires heavy-duty equipment, and while renting is possible, misusing it can damage your sewer main and leave you with very expensive repair costs, not to mention potential environmental issues and severe water damage. Accessing your sewer also exposes you to hazardous sewer gasses, and failing to seal the sewer properly after work can be very dangerous. It’s always best to hire a professional sewer cleaner near you to handle this type of work.

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.

A sewer line should be cleaned at least once every 18 to 22 months. The process takes about 30 minutes or up to 5 hours, depending on the size of the line, how easy it is to access, and how long it’s been since the previous cleaning. If your sewer line hasn’t been cleaned in a couple of years or you don’t even know the last time it’s been cleaned, it’s time to call a pro.