I live in North Florida, and I can tell you that having surge suppression will not guarantee anything. Several years ago I lost two computers and a TV. The brand-name surge suppressor company DID reimburse me for the losses, per their guarantee.
My brother, who lives a few miles away from me is still in the process of repairing/replacing appliances in his house from lightning a month ago, and he has "whole house" protection installed in his 200 amp panel. The power company, Gulf Power, had to replace a large section of his service entrance.
If lighting strikes near you, all bets are off.
I unplug ALL my audio gear the moment I hear any thunder. I am also a ham radio operator and I unplug the coax cable coming in from my antenna, and throw it out the window!