You should always have a back up of your irreplaceable files. Photos are the proof of our history, of the life and times and memories we've shared. If they are lost, no amount of insurance can replace them. Back your files up on CD or DVD and store them in a safe place, like a safety deposit box or in the home of another relative or friend. Even better, get online storage. Several companies, including Heritage Makers, offers online photo storage. Some are free for a limited amount of space and others are fee-based for an unlimited amount of space. Then if something happens to your computer, you can always download them back to your new computer or hard drive.
Don't be part of the generation that lost their history to a simple hard drive crash!
Sincerely,
Yolanda Ventura~The Memory Keeper's Coach