I've seen the argument stating you really do not need lightning protection or whole house surge protection ( in the lightning capital of the USA ) because you have Homeowners insurance. Keep in mind every Homeowners policy will have a deductible and you will have to go though the claim process which is guaranteed not to lower your stress level. If I can avoid having to deal with damage to both my home and personal possessions by spending some money up front, to me it is a worthwhile investment. With that said, I had both a whole house surge protector and a lightning protection system installed in/on my house. Not an insignificant amount of money, but some significant peace of mind.
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