We did the SECO surge
suppressor earlier this year. Seems like a good deal to me. For a $25.00 installation cost they put a suppressor on the meter and give you a box of individual suppressors for the more delicate equipment in the house. That box of suppressors seemed to be very high quality and would be worth considerably more than the install price. We are then billed $5.00/ month.
The suppressor has a red indicator light. Very easy to see. In my case every time I drive in the garage it's visible, at night it's impossible to miss. If that light is out your house has been hit and they will come out and replace the unit at the meter, N/C. It would be highly unlikely to be hit a second time before the main suppressor could be replaced.
You can buy the suppressor outright but if it is fried you pay to replace.
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