[QUOTE=jimbo2012;495096]First I want to say I think I'm wrong about just using surge protectors on individual appliances computers etc., they can't handle a strike from what I reading.
I'm reading that the lightening rod system protects the structure but not the electrical systems, so to be fully protected you need both + insurance (I wonder if installed you can get credit)
The unit from SECO doesn't protect phones cable tv etc I think.
For the money it looks like the ones sold for about $200 does protect those and they carry an insurance coverage of their own (if they really pay?)
If you can't handle the simple install an electrician shouldn't charge for more than a one hour service call. Try HD they have good ones and offer installation also, cost unknown.
When I build after reading the high rate of strikes in FL I'll install both.
The rods about $200 and the same for the surge protector.
This forum is a plethora of info.
.[/QUOTE If your concern is a direct lightning strike to your home and an indirect lightning strike causing a surge that damages your electrical equipment you need both lightning rods and surge protection. For electrical devices you plug in and value you need point-of-use surge protectors.
I disagree with your estimated cost of lightning rods being $200. The cost for a villa will start around $1300 and for a premier it could be up as as high as $3500. It all depends on the size of the roof area including any bird cage. This is what a UL or LPI "listed" installer will charge. If you go with the far less expensive door-to-door people you have no idea if you are getting a system installed to NFPA 780, the national standard on lightning. And because lightning rods are not required by building code the county does not regulate the installers. Buyer Beware!