Are you covered for sewer back up?

It is that time of year again, temperatures are a cause for concern especially if we don't get enough snow to insulate our septic lines. Every year 100's of homeowners are faced with the devastation of sewer backup. These claims are usually very costly and unsightly. Insurance companies in Alaska have options on their policy's for sewer backup. Some companies charge to add this coverage, some don't cover it at all, and others include this coverage, do you know what you have?
Ways to prevent sewer backup:
Don't poor grease down your drains
Don't poor paint down your drains
Make certain your home has a back flow prevention device
Pump your septic regularly (ask a local septic company)
If your drains are slower than usual, have your septic lines inspected right away
Insulate/heat tape your septic lines
Don't plant trees or plants on or near your septic lines
Don't flush diapers, sanitary napkins, newspaper, or rags
Remove hair build up in drains
Water conservation
Avoid pouring bacteria killing toxins in your drains (bleach, antibacterial soap)
Check to be sure your septic size is adequate (adding onto your home will require a new septic)
Regular use of a garbage disposal is harmful
Avoid driving over septic lines