By Kelley Electrical Contracting, LLC. Published October 16, 2026. Educational information, not a substitute for an on-site inspection.
What causes surges?
Surges can come from lightning, utility switching, large motors cycling on in your own home, or problems on the grid. Many small surges happen over time and slowly wear out electronics.
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How whole-home protection works
A surge protective device (SPD) is installed at or beside the main panel and diverts excess voltage away from your circuits. Plug-in power strips with surge protection still help for sensitive equipment like computers and TVs, because the two layers work together.
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Limits
No device can promise protection from a direct lightning strike. An SPD also depends on a good grounding and bonding system, so an electrician may check those when installing it.
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Is it worth it?
If you have solar, an EV charger, smart-home gear, or a home office, the cost of the device is small next to what it protects. Ask your electrician about the device rating and warranty.
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Frequently asked questions
Does a whole-home surge protector replace power strips?
No. Use both: one at the panel and point-of-use protectors for sensitive electronics.
How long does an SPD last?
They wear down as they absorb surges. Many have an indicator light that shows if protection is still active, so check it periodically.
Does homeowners insurance cover surge damage?
Policies vary. Check with your insurance company.
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Sources and further reading
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