You need to be making additional Backups. The backups saved on the Hub are wonderful, but if it dies, you do not get access to them. Techniques have been discussed, search will find them.
Yes, you can buy a new hub and yes you can restore the Backup, assuming you have one. You will get all your rules back, as of the date/time of the backup.
But you will NOT have access to your Zigbee or ZWave devices. Zigbe is probably easy, simply put the new hub in Zigbee include and cause the Zigbee device to re-pair (Factory reset then Pair as if they were new). They will return to the 'slot' (aka device ID) they were before.
ZWave involves: Exclude each device and then Include them. They will have new device IDs and therefore won't return to their 'slots'. You'll have to manually edit each to give them a familiar name, and then individually put them into the Rules/Apps/Drivers. Then you'll have to clean up the Device list to eliminate the 'orphaned' ZWave devices.
