Whole-home surge protectors are standard on all new homes. With all the new electronics we now have in home, they just make sense to install. Whole home surge protectors are also a cost effective way to protect your home electrical stuff. The Manufacturer will replace anything of yours that gets broken if the surge protector fails to do it's job.
Surge protectors are important to have whenever you install equipment on your home like a generator, solar, pool, hot-tub, EV charger, expensive computers & equipment, etc.