A surge protector is a breaker designed to shut off electricity to an important device if there is a surge caused by lightning or any other cause. You should always have one for important electronic devices such as desktop computers and entertainment systems.
Whole-home surge protectors do the same thing automatically from within your electric system. This means everything is protected in your home from threats inside and outside, and you don’t have to buy and use bulky cords or surge protectors at each outlet. Many homeowners find this sense of security and ease of use a worthwhile investment. Some homeowner policies offer reduced prices for homes with this feature, or may even offer incentives to install them.