The cost of the surge protection (protection of electronic devices from line surge) is much less than the cost of a lightning rod system (intended to capture lighting strikes and take them to ground to avoid damage to the structure). I have recently obtained a bid to install a lightning rod system in a designer home for approx. $1,750. I also called the insurance agent to inquire is there were any insurance premium credits available if a lightning rod system is installed - there are not any insurance benefits available. I have not yet decided whether or not to go forward with the installation of the lightning rod system. Even with the system, there is still no guarantee that a lighting strike will not cause damage to the structure.