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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.

The cost to unclog a drain varies based on the location and severity of the clog. For simple clogs within your home, such as in a sink, toilet, or shower, hiring a plumber typically costs between $110 and $350, with an average of around $200. Snaking a toilet or sink usually costs between $110 and $275, while a bathtub or shower clog costs about $225.

For a more serious clog in the main sewer line, the cost is higher. Clearing a main line clog generally costs between $200 and $600, with an average of about $380. However, prices can range from as low as $100 for snaking a minor clog to over $1,600, particularly if advanced methods like video inspection and hydrojetting are needed for a large or hard-to-reach blockage. Some severe main line clogs can cost upwards of $1,000 to clear depending on factors like the cause of the clog, its distance from an accessible cleanout, and whether the pipe is located beneath an occupied space (e.g., in an apartment building). You may be able to save money on minor clogs by using a drain snake or bladder yourself.

Snaking a toilet is similar to clearing sinks and bathtubs, but there are unique circumstances where you’d have to drain, disassemble, and remove the toilet to fix the clog. For stubborn clogs in the toilet trap, a toilet auger—designed with a shorter cable and a protective plastic encasing—can navigate the tight bends and clear the clog without risking damage to the porcelain. 

Bleach isn’t likely to help unclog a sewer line. Bleach isn’t useful in this situation because it won’t dissolve the grime and debris in the clog. Instead, you want to use ingredients that will have a chemical reaction to clear out the buildup, like vinegar or salt and baking soda.