I have had several items destroyed by surges at different times. Garage door opener, AC Control board, Computer Modem, and Laptop connected to modem, Reclining Chair Control. I also have a whole house surge protector (Not SECO).
I also had an AC circuit breaker installed by SunCool. Between my warranty for the AC and the surge protector, I did get recompensed for the AC Control Board.
No recompense received for other items. Had the whole house surge protector sent back for analysis and claim was it was not damaged even though items were. They did send me a new surge protector (Upgraded Model).
Important to know that surges can come through phone lines. That is how my modem and computer got zapped.
Surges can also come through cable lines, water lines and who knows what else.
Why do we see more damage now than years ago? Because of microcircuits in just about every thing. Things used to be working on volts and Amps. Today it is Millivolts and Milliamps.
Bottom line is get protection but it does not guarantee replacement for failures. Read the guarantees closely and you might see something like guarantees against power surges caused by power company but not acts of God.
My recommendation would be to get a whole house surge protector and to check with your local hardware store and buy individual surge protectors (Such as SECO provides) for all of your micro circuit devices.
Refridgerator, range, Microwave, washer, dryer, garage door opener, lawn irrigation control, TVs, Computers, printers , modems, routers. Even a thing like a power operated recliner. Some of these devices have multiple protection for power and phone line or cable.
Welcome to Florida You will love it.
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