Yes! You can lose your website and email at any time. Back-up services can be on the same server or on another server (or both). If yuor server is in Los Angeles and there's an earthquake and the city is destroyed, you may lose your website and email. By having a back-up on a different server in another (distant) city, you can save it.
A website back-up service is like an insurance policy. We advise you to take this service.
Contact us for more information.