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New home power protection?

This summer I'm moving to SW MI where thunder storms are common.  They are rare where I live currently so have not worried about them here.  But with stories from others about damaged electronics from lightening I have questions since I'm not familiar with any of this.

1.  Is whole house surge protection at the panel effective and worthwhile?

2.  Apparently cable and phone line protection is separate and must be added to the panel protection.  I assume this is appropriate to add if going for whole house protection?

3.  The realtor ask about adding a generator.  I assume that is a separate issue to provide temporary power during an outage but does not offer line surge protection, correct?  The generator is triggered after the power fails, with or without a major surge (although that may be quite rapid), correct?

Thanks if you have knowledge on this issue to share. 
pryso

Showing 1 response by pryso

pryso OP
1,912 posts
 
Thanks to all who responded.  It is new construction, but also a condo so no exterior antennas or lightening rods.  There are trees nearby taller than the house but I realize that is not a guarantee the house might not be struck.

I did order the whole house panel protection including phone and cable. Further consideration to add a generator will be made after I experience living there awhile.
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