"3)I already use an on-line data backup service which automatically uploads designated files to two remote storage servers (East coast and West coast)."

I've never thought about this. I've heard of these services and discounted them for fear of my private data being exposed, but your idea of photos of your house and contents is a great idea. And for private but critical data, why not encrypt it before uploading? Don't know why that thought never came to me.

Can you recommend a particular service provider?