My two cents:
My friend works with high security financial information and all of it is stored on the cloud and is accessed via a memory stick key. I don't know how it is done because it is top secret, James Bond kind of stuff.
Second, as with everything else in your home, or apartment, you should have insurance that covers REPLACEMENT value. In addition, you get stuff like liability in case anyone injures themselves on your premises, and you can get a rider for equipment that you take with you, such as a camera.
