If u use wordpress, install and configure updraft and keep a backup copy of your site somewhere else

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Yeah, that's generally what I do. I recently rebuilt, and my current backup isn't super current. But, lesson learned. I'll be keeping a weekly physical backup as well as a mirrored version just in case.

This is also why I don't keep my domain with the same place as my site host. Worst case scenario I can point it where ever I want.