[New Study] Emergency Sewer Repairs Cost $671 on Average—Tips to Help You Avoid that…or Worse

Homeownership has a long list of benefits that renting simply can’t match. For one, it’s an investment in your future. Every mortgage payment you make helps build equity—something no rent check will ever do.

There’s also the pride of ownership, the freedom to customize your space however you like, potential tax benefits, and a sense of long-term stability that renting often lacks. Whether it’s planting a garden, painting the walls whatever color you want, or not worrying about your lease being renewed every year, owning your home offers freedom, security, and a solid foundation for the future.

But owning a home comes with responsibilities, too. Unlike renting, there’s no landlord to call when something breaks. The maintenance, upkeep, and surprise repairs fall squarely on your shoulders. And while homeowners insurance is essential, it doesn’t always cover everything—especially when it comes to some of the more common, yet expensive, issues lurking under the surface.

Like one of the most dreaded problems a homeowner can face…sewer line trouble.

76% of Homeowners Underestimate the Cost of Plumbing Repairs

Sewer lines are one of those systems in your home that you don’t think about until something goes horribly, horribly wrong. They’re buried underground, often decades old, and expensive to repair or replace. A recent study from Guardian Service confirms what many homeowners already fear—sewer issues can sneak up and drain your wallet fast.

Here are a few findings from the report:

• The average homeowner spends $671 out-of-pocket for emergency sewer repairs.
• One in 12 homeowners reported spending over $2,000 on a single sewer-related fix.
• A whopping 76% of homeowners underestimate the cost of major plumbing repairs, assuming it’ll be under $1,000.
• One in six homeowners said they are currently delaying a plumbing repair due to cost.
• Nearly one in 10 said they couldn’t afford a $500 emergency repair today.

What makes sewer repairs especially painful is their unpredictability. A simple snaking—clearing a clog with an auger—can cost a few hundred dollars for a relatively quick visit. But if it’s a bigger issue, such as tree root intrusion or a broken line that requires excavation, the cost can skyrocket into the thousands.

So how can homeowners avoid a sewer-related crisis—or at least minimize the risk?

7 Tips to Lower the Chances of a Sewer Line Emergency

1. Get a sewer inspection when buying a home.

   Most standard home inspections don’t include sewer lines. A separate scope inspection (where a camera is fed into the line) can reveal years of buildup, cracks, or other damage. If issues are found, you might be able to negotiate repairs or a cleaning before closing. Think of it as protection against inheriting someone else’s bad habits.

2. Schedule periodic inspections and cleanings.

   If you’ve been in your home for several years and have never scoped your sewer line, now’s the time. Preventive maintenance—especially in older homes—can save you from major issues later. A professional can assess the condition of your line and recommend cleaning if needed.

3. Watch what you flush (and pour).

   According to Guardian’s report, some of the worst offenders include:

   • “Flushable” wipes (Spoiler alert: they’re technically flushable, but not sewer-safe.)
   • Paper towels
   • Feminine hygiene products
   • Grease or oil from cooking
   • Dental floss
   • Cotton balls and swabs
   • Cat litter (even the kind labeled “flushable”)
   • Toilets and drains are not garbage cans. These items can build up and cause blockages in your home or further down the line.
4. Educate everyone in the household.

   It only takes one person flushing the wrong item to cause a problem. Make sure everyone in the house understands what can and can’t go down the drain and remind them often. It might come across as a bit much to make such a big deal out of it, but it beats getting a big bill from a plumber.

5. Build an emergency repair fund.

   Life happens. Plumbing issues don’t wait for payday. Having even a small emergency fund set aside can help you act quickly if something goes wrong, without having to delay needed repairs—or worse, let the problem get worse.

6. Establish a relationship with a plumber you trust.

   Don’t wait until you’re ankle-deep in murky water to start searching for help. Ask neighbors or your real estate agent for recommendations and find a reputable plumber in your area. Ideally, someone who handles or specializes in sewer systems.

7. Explore additional coverage options.

   Some insurance companies offer riders for utility line coverage, which may include sewer lines. You can also look into separate home warranties or maintenance plans that include regular inspections and service. Just make sure to read the fine print—some warranties have specific exclusions when it comes to sewer lines.

While it’s no fun to even think about how much an issue with your sewer line could cost you, thinking ahead may be exactly what will save you from a huge plumbing bill! These kinds of problems are common, and many homeowners go through it at some point. But the tips above can go a long way in reducing your risk—and softening the financial blow if something does go wrong.

The Takeaway:

While sewer lines aren’t the most glamorous part of homeownership, they’re one of the most expensive things that can go wrong. Too often, homeowners don’t think about their sewer line until they’re facing an emergency with a steep price tag attached.

Fortunately, a little foresight goes a long way. By investing in inspections, avoiding bad habits, and setting aside emergency funds, you can stay ahead of the curve—and the clogs. It’s also a great reminder to revisit your homeowners insurance coverage, consider additional protection if needed, and make sure you have a reliable plumber in your corner.