Some hosting companies do their own backups, some don't. In any case you depend on their policy and reliability. Therefore, the best backup is the one you have at your safe location.
It is not just the server or hard disk that might fail, your site might get hacked, your files deleted or your database corrupted. If you would like to run your web site with peace of mind you have to make regular backups of all the files and databases.
Let me do that for you. I will make a complete backup of your website (files and database). You will get a ZIP file with instructions on how to restore the site.
For normal backup (less than 1 GB, most websites fall into this category) I will need only admin acceess to your Wordpress (or Joomla) site.
I can also move your website to a new host or recover lost admin password of Wordpress or Joomla - check my gig extras. In this case I will need also access to your hosting account (also domain registration account for move).
For backup of a big website (over 1 GB) I offer gig extra - in this case I will need also access to the control panel of your hosting account.
In case you have questions you can contact me before you place the order.