In case of serious physical damage to your computer, no form of software security solution is going to protect your data. Your best option is to backup your important data online. That way it is accessible from anywhere even if your primary computer gets physically damaged.
One of the best online data backup options available is IDrive. It is an online service that offers different paid packages for online data backup. Additionally they have a free evaluation package which provides up to 2 GB of online storage. While on the free package, if you refer five people and they start using IDrive too, your 2 GB storage capacity is upgraded to 10 GB.