Back it up Many web hotel promises that will have a backup copy for you but that?s not sure. Always keep a copy of your website and database some where else. No do not keep it on the server in a open file some where that is just asking for trouble, download it and keep it on a DVD or HD.
There are many programs or script that can do this in the night time or what ever time you feel the site has the least visitors.
If you website is static one and do not need a database you can keep the website on two places and if one get hacked you can have the back up ready in no time at all.