As someone who has also been through a house fire, off-site backups saved over 13 years of my family's photos along with important documents, etc. I first moved to digital cameras in the late 90's, well before they became mainstream. The quality was horrendous for a long time, and we continued using film alongside for quite some time.

Nearly all of those film photos are now gone. Most of my family's photos dating back to my great great grandparents that we still had are gone. We recovered quite a few, but compared to how many there were, what was recoverable was next to nothing. Every single photo since we started on digital, however, is safe. Every one of them.

If you have a backup plan, good. If it is on-site only, get an off-site one. If it is off-site only, get an on-site one. Backup, then backup the backup, and keep it safe. Automated backups are both easier and cheaper than ever and if you never need it then you aren't out much, but if the day comes when you did need it you will be incredibly thankful that you had it. When almost everything that you had in the world vanishes in a pillar of smoke, the solace of knowing that memories are safe means everything.

If you have a backup plan in place, make sure it is working and adequate. If you don't have one, then implement one as soon as you can.

As for providers... at the time, I used Mozy, but since then I have transitioned to just using a paid Google Drive subscription. For $10/month you get the convenience of having 1TB of cloud storage and the peace of mind of knowing things are safe and off-site. I did try Crashplan at one point, but it's client was just horrible.