Steve,
Warren is correct about the surge protectors that you buy at the hardware store. I have a few, but just for the extra outlets as they don't work well for surges. I use the APC units for my computers. The ones that I now have are 800VA/540 Watt and will give me about 10 to 15 minutes to shut everything down if the power goes off. I am thinking of upgrading to newer APC units as my batteries are getting old and it isn't that much more to just buy a newer unit. As for the 2whold house surge protection, I did check into that a few years ago and it was so expensive then that I decided to just forget it. I would need Warren's 401K to make a payment on it.
Ron