Even when there is no septic system and you have public sewer, it does not mean that there could not be issues. Just ask most insurance companies. A friend of mine recently bought a home (and I inspected the sewer line for him). He found out from his home owner's insurance that they do not cover sewer lines - apparently too much liability. He was able to find sewer line insurance, but it did cost him extra.
So the point is that if insurance companies have had issues with sewer lines on public sewers and they are nervous about it, then why aren't most home owners.
Some of the issues that can happen are sewer line backups (these are really gross and expensive to fix), sewer line breaks, low flow, and many other issues.
So before you buy your home that has public sewer, be sure to have us perform a sewer line inspection to save you time, money, and give you peace of mind.
Sewer line inspections in: Albany, Schenectady, Troy, Saratoga, Saratoga Springs, Greenville, Johnstown, Gloversville, and all surrounding areas of NY