(ssp)
a creeper blows up your house at night, letting all the monsters in, always be planned for this day, make a minecart track that has a chest cart and a minecart, put all your valuables in your chestcart and ride in the minecart, the track can lead to anywhere you want, for example, an underground obsidian base, make sure it has glowstone or torches in it, so mobs do not spawn, wait for morning, then go back to your blown base, and start building.

(smp)
one decent time, your worst enemy blows open your house with tnt, letting all their minions and monsters and wolves in,, always be planned for this day, make a minecart track that has a chest cart and a minecart, put all your valuables in your chestcart and ride in the minecart, the track can lead to anywhere you want, for example, to spawn, wait for them to leave, then go back to your blown base, and start building again.