There are many viruses in the internet nowadays that can just blast off your smarty pants to heaven. So if you keep a backup, then you can just not make a big deal out of it as you've a backup.
[header] How to keep your smartphone safe [title] Turn on find my iphone or find a similar service for your phone. [title] Back up your data. [step] Backing up your data simply means keeping a duplicate data of all the data in your smartphone.