Re: That's why everybody should have backup policies...
In my case, I have no access to an off-site location, so I use a fire-safe as an alternative. I backup to partitions on both the computer hard drive and also to an external drive. I (try to) keep at least regular weekly backups on the external drive and rely on a fire-safe to protect against the worst possibilities.
No strategy is infallible so I figure the bottom line is to use redundancy to protect against the worst cases.