Best and cheapest option is a dog, decent insurance, and off site backups that regularly get restores tested.

And maybe a little bit of not getting too attached to "stuff" - there's very little stuff that's truly irreplaceable. I'd miss my first guitar if my house was robbed and they took it or if my place burnt down. I'd miss the HiFi gear I bought in 1988 and still use, and maybe my modded espresso machine. But I'd get over that loss and my sentimental attraction to those things just fine, especially after I'd replaced then with my insurance settlement.