Check with your insurance agent to see if they offer service line interruption. It should cover from your water meter into your home & all sewage related issues out to the sewer.
I have State Farm & it was about $240/yr, but it has a $500 deductible & pays up to $10k!
My home is about 50 yrs old, as are all thd homes in my neighborhood. Went outside one day & neihhbor had a plumbing truck there & thdy were digging around. The next day, heavy eqpt was digging up ths yard! Neighbor later told me his sewer line collapsed. Yikes!
So I called ins agent. They could only add this rider at annual renewal, but it is now in place, thankfully!
Some years ago, a fridnd's septic line froze (Chgo region) & toilet became a poop fountain, spewing everywhere. What a mess! Fortunately, their ins covered it, but they had to live in apt while hardwood floors, etc. Were replaced.
I hope you can get some help, V! Hugs to you. 
💞
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