On the subject of your computer file archive:

There have been many threads on that subject. A frequent comment is that some people just don't want to trust their files to the cloud. I can understand being reluctant to hand over your data to unknown people and trust them to keep it safe, but you need to be sure there will be a copy somewhere. The hard drives with your archives you keep at home may not be safe. Those hard drives you keep at a neighbor's place may not be safe. Those that you put in a safe deposit at your local bank may not be safe, particularly when the whole town burns.

The cloud storage is (in my opinion) really inconvenient. It costs an annual fee in many cases and it's much cheaper in the long run to buy an external hard drive. But the cloud storage is distributed and maintained by professionals. It's there as a last resort, not somewhere to recover your files when you accidentally delete some of them.

As I have experienced a partial house burn, I can recommend to EVERYONE: make a video/photo recording of EVERYTHING IN YOUR HOME! NOW!!! Open every drawer, every closet, wall, shelf, room, and store off site in multiple locations! Or at least in a VERY fire proof location. You have to 'prove' you had possession of every toothpick in the house. After our fire, the attic collapsed into our garage, with a pile of old comic books. On the top was an old 12 cent one that sold for $75 on ebay. I(!) had to research EVERY ITEM (700+ items) (a royal pain!), to get the current value for the insurance company for replacement. Then they prorate a portion of each item, and as you replace it they will reimburse you the full cost of replacement, (you periodically submit replaced items costs). You have 2 years to replace everything. And after your time is up, you will remember something you missed in your inventory, for years to come... It will completely consume 2 full years of your life to TRY to replace what you lost. I missed about the goal by about $8,000, but did OK. Hope and pray we NEVER go thru that again!!! We had State Farm Ins, and I would recommend them to anyone, based on our experience. God bless those going thru a total loss, and particularly the loss of life.

Okay, this is NOT meant as a "woe is me" story. But our family has recently been impacted by the California "Camp Fire". Everything is lost and most of what used to be our town lays in ashes. It might be weeks before we can even go visit the pile of ashes we used to call home. And it may be YEARS before the town returns to some state of normalcy again. The good news is myself and my family escaped the blaze with the clothes on our backs, and not much more. Thank goodness to all the generous people like the Elks club that somehow had clothing and personal items including blankets to get us thru the 1st couple of cold nights.

I guess the wisdom of 20/20 hindsight, and what I wish to impart on all the hogs here is to at LEAST review your current insurance coverage. Increase it much more than you think you might ever need. The limits I had on my policy will never cover the replacement value of my worldly possessions. Every evening when I try to sleep, I review all the things that need to be done to get thru the next day. My mind drifts off to things that I have lost and may likely never recover. I'm not only talking about my camera gear (cries) but every picture I've ever taken stored on my NAS drive at home, every tool in my toolbox, the 4 Einstein Flash units and countless accessories including my D810, D7100, GoPRO, and SX50-HS......and the lenses (Cries harder). Even worse are the sentimental items I cant replace such as my Fathers Rings and watches. Wow, the list goes On and On. My point is: Take stock of what you own. Consider if it were all taken away in the middle of the day, and all you had was your cell phone and the clothes on your back. Do you have the coverage you THINK you have? Can you even access your bank accounts if your computer was destroyed and your list of usernames and passwords kept in the drawer were also gone.

We all get complacent, and think it'll never happen to me. Wake up. it does occasionally happen.

Once again, this isn't meant as a "woe is me" rant, but think of how your life can be turned upside down in a moments notice. Especially when you get a little older and closer to retirement.