I now back up my photos once a month or after a particularly productive trip, onto a separate hard drive which is then removed.
But I must confess it's still kept in the same building as I have no easy options there.
Indeed, a hard drive might well survive a house fire, but maybe not. I usually back up my photos to DVD and store those at the in-laws place, far from perfect and it only happens every month or so.
I read that flickr will store an unlimited number of your photos in a non public gallery however unless you pay them they limit the amount you can upload each month.
Google will also provide non public galleries with unlimited free storage and no upload limits but they will automatically reduce the photograph dimensions to 2048 x 2048 pixels
Neither is perfect.
For shorter term backups I use dropbox, I can upload about 8GB of photos there and delete as I periodically back up my images to DVD or separate hard drive, the process is automatic as the 'import folder' for my camera sits within my dropbox folder.
I use Picasa to organise my photographs and that program has a facility that permits incremental backups to DVD, in other words I do not have to back up 100 GB of photos every month. Picasa will only back up any new (or edited) images that have been added. If it all goes pear shaped I can rebuild my library from all those previous discs.
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