I think off-site backups are the way to go regarding the fire scenario. Having a print out of where your financial assets are located is a good first step for

I think off-site backups are the way to go regarding the fire scenario. Having a print out of where your financial assets are located is a good first step for the scenario you die. This way your next of kin can track them down. You should save your passwords in an encrypted file that gets backuped. I've not got a good solution for if your email provider bans you.