Do you have a current backup of your Mac? Of your iPhone? Of your iPad? If the answer is no to any of those, consider how you would feel if all of your photos were lost. Just because you haven't had a problem yet doesn't mean you won't in the future. And statistics show that everyone encounters unforeseen data failures so having multiple backups is necessary.
For your iPhone and iPad, make sure that iCloud Backup is turned on for both. You can get there by going to Settings -> iCloud -> Backup. If you are getting an error telling you that you don't have enough storage to backup, DO NOT ignore that error! Many people do and then wonder why iCloud didn't save all their photos when they lose or break their phone. That message means that you must pay for extra iCloud storage. It's as cheap as $0.99 per month and means you'll never lose any photos or data from your phone.
For your Mac, you'll want two backups. First, a backup for your home with Time Machine. You can do this wirelessly by purchasing a Time Capsule from Apple or you can connect any hard drive to your Mac. When you do, your Mac will ask you if you'd like to use it for Time Machine and all future backups will happen in the background without you ever noticing. Secondly, you'll want a backup that is not at your home. If your home burns down or floods, a Time Machine backup will be lost just like your Mac will. Instead, an online backup service such as BackBlaze is what will bring you peace of mind since all of your data will be accessible to you even if all of your backups are destroyed. This runs about $5 per month.
If you have any questions or would like help in setting any of these services up, please contact JTec at (949) 466-8442 or at email@example.com