[Constitutionalist Conservative]

Geographical separation. If your house is hit by a fire or tornado, it isn't going to matter that all your stuff is on an independent hard drive that was sitting next to your computer.

Yup. Last May, a lightning strike on our house, with the resulting power surge and fire, ended up destroying our backup along with our PCs.

[FreeAtlanta]

I am sorry you lost your home.