You can invest in one of those cloud router things (don't know what they're exactly called). As long as it's hooked up to your modem (assuming you weren't lazy enough to keep Dial-up internet ), whatever files you put on it can be accessed anywhere.
You should also try Dropbox.
Or you could just try backing everything up every few months or so.
Noooooope. Nope nope nope. I have my shit backed up in multiple places. Laptop drive, PC drive, touchpad, and several cloud storages (Box.net, Ubuntu One, Sta.sh, the account that came free with my laptop, etc.). I don't ever want to play the Oh Shit Game myself.