BTK hit the nail on the head. The odds of your home being hit by lightning are slim. The odds of a fire from lightning are even higher.
Talk to some lifetime Florida residents and ask how many of their homes were struck by lightning, let alone hit by it.
Here's some data on residential fires. Lightning not even mentioned as a significant cause. Smoking primary cause of fire related deaths. Cooking primary cause of residential fires. Adults over 65 an at risk group for residential fires and 40% of the fires alcohol related.
So stop smoking, quit drinking and eat out all the time and you'll decrease the odds of a house fire more than wasting your money on lighting rods. You can use the $3,000 for the increased restaurant expense or use some of it to get the special locks for your golf carts so they won't get stolen! ;D
PS Somebody alleges Glade plug ins start fires, so be careful with those also!
http://www.cdc.gov/ncipc/factsheets/fire.htm