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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.

Costs range from $200 to $600, depending on the severity of the blockage and access difficulty.

If you want to avoid using a snake to unclog a drain, or if you don’t have one, try vinegar and baking soda. Pour 1 cup of baking soda down the drain, followed by 1 cup of white vinegar. Wait for 15 minutes, and then run hot water (but not boiling water) down the drain to see if the clog is clear. Repeat multiple times as needed.

Sewer gas in any location can cause eye and respiratory irritation if you’re exposed at low levels, or more severe symptoms if you’re exposed at high levels—but fortunately, the fresh air outside means it’s less likely to affect your physical health. However, sewer smells outside can still indicate significant plumbing problems that will need to be dealt with, such as a potentially damaged sewer line or roof vent pipe.