I host servers both out of my home, out my wife's office and I also have some cloud servers at Digital Ocean.

If you're worried about data loss (and you should be) you need offsite backups. I have actually lost data to a fire (in 2009) and to a hard disk crash when I didn't learn my lesson the first time (in 2014). Never again.

I have backup servers at both my house and my wife's office. If you don't have a wife with a convenient office for this purpose, you could probably find a self host buddy to host your backup server (and maybe you could host your buddy's back up server, a friend and I used to do this years ago). You could also encrypt everything and then back the encrypted files up to the cloud, secure that the fascists almost certainly can't decrypt them, even if they get their hands on the raw data.

You can automate this. There are tools that can help. I'm kind of a power user and I just use rsync, scp, minio and database replication to automate my various backups, so I'm a bad person to ask about the easier to use tools that can do this. However, either of those communities I posted are full of people with better answers and I know that less DIY back up tools exist.

You have multiple backups. Preferably, another selfhosted server at a friend or family member's house in combination with cloud storage, where you encrypt your data with your own key before backing it up at a storage provider, such as Backblaze, iDrive, Hetzner etc. In that way, you will minimize data loss in the event of a fire or the like.