If you are worrying that your phone will be crashed and cannot be used, save your important data to the cloud. Google provide the basic phone data save location services. you may save your contacts, email, photo and calendar at Google server.
Once your phone crash, what you need to do is get another Android phone and login to Google server. All your contacts, email and calendar will be downloaded to your phone as before.
Check out contacts location. It should be you email address.
Note: Make Google location as default, so you don't have to choose location to save contact or calendar.
Proposed cloud services for your android phone
This would be more useful for guys who like to flash their android phone (purposely format their phone :) )