This can include more traditional backup strategies... UPS'.... not caring.... telling people to pipe down....No, seriously, it is just some smart tech, not mission critical....
Whatever you choose to adopt... what is your choice?
Personally I have a couple of UPS'....
I have Solar Panels with partial house battery backup (main living areas, tech areas, entertainment areas). The batteries are recharged by the panels on excess production during the day. Big issue is loss of internet for some functions. Design of automation, thanks to Hubitat, is basically free of a need for internet.
I have the "critical" circuits of my home wired up to where I can attach a standby generator for power outage. The hubs are UPS to keep them going till I can get the generator going. They will run for several hours waiting on me. Main Internet is fiber but due to the wife's situation I had to get Starlink as a failover. Short of a complete catastrophe I should be covered. If it goes beyond that I got way more critical things to worry about. 
Already been thru 2 due to tornados. Power out 4 days each time. Have a generator that will run everything I need. Do have to turn off several things when I turn on water heater. Also UPS's for hubs, ONT and router even tho each time internet was lost to.
Upon failure I plan to burn the house down, make it look like an accident and collect the insurance and escape to Belize.
ups on my instant on gas water heater is nice during power outages.
Warm standby house. When the neighbor next door moved out, I jumped on it.
Oh, seriously...
So seriously...
18kW of solar PV and 100% battery backup that will let us run the heat in the winter for almost 2 days with no solar generation (3x PW2). Our grid connection is at the end of a spur that is rather unreliable. We get a half a dozen outages a year, most under an hour. It's been wonderful to solve this problem after 30 years in this house.
But I had a friend who lost their house to a fire. My biggest disaster I'm worried out - old photos especially. I've not yet planned enough for this.
We rarely have a power loss for more than a day here. That happens 1-2 times a year. So I have not invested in any power backup systems (except for my Konnected alarm system). And, I have a unique situation. I can just go to any of the local hospitals where I work and stay there until all is well.........large generator power for weeks, water, food, beds, medical supplies, clothes (scrubs), emergency radios and land lines, law enforcement....etc.
experiencing a statewide power outage for several days during winter made me reprioritize my backup plans.
I also went rooftop solar to a main battery unit. My twist is i use POE to distribute the solar DC power around my house to satellite battery units in every room to keep the always on devices like my hubitat hub… always on.
I only chose POE for the geek points and to reuse the ethernet cables after switching everything to wifi.
I use HA to automate the balance between battery storage and solar usage and monitor ERCOT stability.
I was a serious photographer for 30 years. I have several totes full of slides, film, negatives, VHS, photos, CDs, hard drive backups, thumb drive backups.....I have a few offsite of the same. BUT, I have not looked at 99% of that for 25 years or more. If I lost it all, I'm not really sure I would miss it. Those old photos just don't mean that much to me anymore.
Mine are photos of the family, either my or my wife's childhood or that of our kids. And now that our kids have kids, they want those photos, too.
I should add: for Christmas last year our kids got together and gave us a gift card for a service to digitalize it all (the service takes whole print albums and gives back digital versions, complete with back-of-photo text in meta data, etc).
But I still worry about the 100 year old photos we have of my grandparents, etc.
All computer equipment is on UPS's with NUT configured to shut everything down gracefully if the batteries get low.
On top of that I had a port installed on the outside of my house for a portable generator. It's enough to run everything but the big stuff. No HVAC, water heater or stove. Considering I got the portable generator for free, it's been a pretty cost effective solution.
I'm still SOL in a long winter outage, but that hasn't been my problem yet. 
2022 we had a major storm hit in February. At 7PM high winds took out a very large tree which in turn snapped 8 utility poles. The overnight temperature was -15°F. Several neighbors with generators reported them not starting because of the cold. Power was out for 20 hours -- those poor linesmen worked overnight in those temps.
But we just lived as normal. The forecast for the morning was bright sun (*) and sure enough the batteries were back to 100% by noon.
At the end of the event the WAF on the 100% battery backup was amazing high.
(*) if it is sunny, I have unlimitted battery backup. This past February we had a 24" snowfall and a resulting power outage... but only of 4 hours. It's when snow totally covers the panels that I'm limitted to 2 days. I really wish I had a ground mounted array rather than all on the roof.
I guess we're a little more paranoid/independent/curmudgeonly than most on this one. We are 100% off grid with no connection to the electric utility, generating 100% of our electricity.
Each building is autonomous, with its own PV system and batteries. The main house has a 20KW array with 71 Kwh of batteries, the studio/guest house (which was designed so that we could live in it for months if anything ever happened to the main house) has a 6.7 KW array with 28 Kwh of battery (we plan to increase that array to 10.7 KW this summer), and my office has a 2.4 KW array with 14 Kwh of battery. We have not needed a generator since Dec of 2024, when we got the first 13.6KW of the main house panels completed.
I think many people hear about our off grid living and must think we must live like we're camping but that's not the case. We have heat pumps in each building, a total of four refrigerators (two full size) and two freezers across the four buildings, induction range, etc. The garage and first level of the main house, and the studio, each have a hydronic radiant slab that we fuel with propane boilers, but we have been able to reduce propane use by using the electric heaters in the buffer tanks in each system to supply heat on sunny days, which are frequent in Maine winters. Because that heat is going into six-inch thick concrete slabs it gets stored and then released later. The garage has been at 60F or higher all winter, and in February, which had several sub-0F nights, I think the boiler come on one day. We are currently evaluating air-water heat pumps for each building as that would reduce our propane use by 90-100%. They're just awfully expensive, so that's the pill that's hard to swallow. They would not make financial sense, but they would eliminate or almost eliminate a big dependency (propane).
This past weekend, we traded in one of our gas vehicles for our first EV, to further reduce our dependency on external resources. We also built a greenhouse that we will finally start to use this summer (ran out of time before this past winter). It will have a small "pond" (really just a big tank of water) to store heat from the sun and then release it overnight and on non-sunny days). Thermal mass is amazing.
It has all been a lot of fun, and we don't even realize the grid is down unless my wife reads about it on social media or a friend calls needing to shower or charge something. We enjoy the feeling of independence.
Our panels are also on the roof, but we can easily access it from the 2nd floor windows, so we will go up after a snowfall when the temp will remain in the sub-zeros (˚C) for the next day or so. The roof slant is pretty low, so the snow will take a while to slide down, but this also means that it’s pretty easy to walk on the roof.
We don’t have batteries yet though. We don’t lose power enough to justify it yet…
House has a 50 amp plug in to a transfer switch and a propane fueled 10KW portable generator. UPS backing up everything which "computes". A way to automatically command them to shutdown when the UPS battery gets down a ways. Internet is from cable but has an automatic failover to cellular. Even so without Internet I loose voice commands and announcements and remote access to the "smart" things.
our main house in nh is on the same power/grid/line as the emergency shelters ie high school police and fire station so we are first priority to get back online after an outage.. so real long outages in years.. bought a portable generator about 10 yrs ago and never used it..
apc ups's on all network equipment routers etc.. more for stability and non curruption of circuits than long term outage use.
other houses also have ups's for all network etc.
Multiple (8 from what I can recall) battery back ups through out the house. Plus, I have a 24kw whole house generator that kicks in after 30 seconds of power loss. So, 100% of important stuff never looses power for even a second. 2 freezes, 2 hurricanes, and a couple of 2 plus hour random power losses and it has been the best investment ever!!
Not Oz...? 
Are our insurance standards too high? And why wait for a disaster....? A natural disaster that is....
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