A couple of days ago, my laptop died. Fortunately, I had external backup, so no worries about the data. It was more the money for a new one, finding the right one and getting it up and running.
Fortunately I could remove the harddrive and read it via a SATA USB adapter. But knowing my data was pretty safe, was nice.
I say pretty safe, because remember, that data you don't have in two copies does not exist. If the online backup provider had went bankrupt while I downloaded my data, it would be gone too. There is no 100% safe solution, so make sure to make multiple copies of your most important data.