At the end of the day to an extent it is your responsibility to backup your own
website hosting. As a general rule of thumb never rely on the web host to have a backup, assume they do not have one. Whilst it seems like extra work for yourself you do not necessarily realise how valuable the backups are until you need them.
In terms of backing up databases I'd recommend downloading a backup once a week. In terms of content on the
website hosting I personally always keep a copy of my
website hosting files as well as settings files of web-based software on my
website hostings.