You can have the most secure web hosting service available to you. There is always a chance that your server could fail and you could end up losing your files. Backing up your database is the right way to go if you want to avoid losing all your files. Backup Scheduler is a handy plugin that saves you time backing up your files, directories, and everything in between.
With this plugin, you can choose which files to save and the frequency for the backup process. Backups can be stored on your server or sent to you via e-mail. You can store your zip files in multiple parts. Users can customize the backup process from the back-end (Parameters). This plugin works for multi-site WordPress installs too.
Backup Scheduler for WordPress is fairly easy to use and gives you a way to backup your important files easily. It is well worth trying if you need a backup tool for your site.