Who knows of someone who has had the sewer back-up into their home? It is an awful stinky dirty mess, but it is easily prevented. Yes, many insurance policies provide coverage for sewer back-up, but who wants this stuff in their house in the first place? The pop-off valve below was purchased for $9 at Home Depot. We installed it on the sewer line clean-out here at the office. With a pop-off valve, sewage will spill out on the ground OUTSIDE your home rather than inside your home. If you are hooked up to the sewer, you should do the same thing.