A lot of bloggers make the mistake of never backing up their blogs. They think that their hosting company will do that. But nothing can be farther from the truth. A lot of hosting companies do not offer backups by default. Some charge for taking backups while other charge for restoring a backup after the crash.
So it is always a good idea to take backups of your wordpress website. Dont be afraid , taking a website backup is not as hard as it sounds. There are a lot of wordpress plugin which make the task of creating wordpress backups a breeze. Infact here is great list of free wordpress plugin which can make the process of taking backups a piece of cake.
Now with these 5 plugins you dont have any excuse for not taking regular backups. Go check it out.