In the US, many of the power providers will install a whole house surge protector and along with that grant a replacement for anything that blows after install. But they charge for the install and your monthly rate goes up to pay for that "insurance".
What most do not understand is that more damage happens to electronics equipment with "brown out" conditions (low voltage) than from surges. Hence a quality UPS for critical electronics. (and a good UPS has built in surge protection as well.)
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