Lightning rods will protect your house from fire due to a lightning hit on the structure if they are properly installed (Important to get a reputable and certified installation company). However, they will do nothing to protect electronics and appliances within the home from surges that come in through the lines (even our underground lines have been known to carry surges). For this reason, I have a whole house surge protector from SECO and individual quality surge protectors on appliances. These help allot - but no surge protectors give 100 percent protection.
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