Insurance will certainly cover the expense, but not one's inconvenience if you have to move somewhere else during repairs. Loss of irreplaceable memorabilia in our homes can not be recovered by insurance. I installed my own, per state requirements, for less then $500. This may not be practical for everyone due to their mobility issues, but having them installed certainly should give one piece of mind. You are absolutely right that whole house surge protection (surge arrestor at electric circuit breaker box), as well as a surge protecting devices at every appliance with electronics in them is an absolute minimum. Florida has the highest level of lightning occurance in the USA, owner/consumer be aware.
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