Agree with CWGUY. The reason for it is any power outage can cause a surge that will fry the electronics in the house, stoves, refrigerators etc. These are not likely to have a local surge protector in place. A series of pulses can cause the failure as well.
The proper size protector is put in the circuit of things like TVs, DVRs computers etc. These you want to have live all the time, so you can not use the ultimate surge protection. Even with all of this, items of high value that do not require constant power should be given the ultimate surge protection: Unplugged from source except when in use.
A direct hit will likely wipe everything out. Lightning in the area tends to pulse the power in the lines. A similar pulse happens with a shut down or start up of power. These are the most likely and the whole house unit will handle these.
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