When you run a website, having a backup is something quite necessary, specifically if you have important data or you have invested time and cash in creating the site. There are numerous scenarios why you may need a backup - if you update a script and something goes completely wrong, if you erase a file or a whole folder by accident, and so forth. Having regular backups will help you avoid any loss of information or at least minimize the damage, which is still better than losing the entire site. You could download a copy of your content on your personal computer occasionally, but as you cannot do that after each and every change, you'll have to rely on the backups your hosting provider generates. Because that is something really necessary, you have to ensure that they keep up-to-date backups, because a backup created once every one or two weeks may not do any good if you run an Internet site such as an online store or an accommodation booking website.