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You can insulate your pipes. You can purchase insulation at a home improvement store and put it on your pipes for added protection in the winter.
You should shut off the water at the main valve and call a plumber.
You should not flush wipes and other items down the toilet. In addition, you should use 1ply toilet paper as it breaks down more easily in your sewer line. If your sewer line backs up then you should call a drain specialist.
Some drain cleaners will poke a hole in the clog and the water will flow down the sewer line. If there is still debris left the sewer line will clog again shortly. If the line is camera inspected then you can be sure that your line is completely clear.
If your toilet starts to overflow turn off the valve located behind the toilet and call a plumber.
Call a plumber, you can get a very high water bill when you toilet is running continuously.