Electrical Safety & Emergencies

Whole-Home Surge Protection: Is It Worth It?

Surges come from lightning, utility switching, and large motors in your own home. A panel-mounted surge protector is now standard for new and replaced services.

Updated 2026-10-15

What the code says

Since the 2020 NEC, section 230.67 requires a surge protective device for dwelling unit services, including when a service is replaced. If your panel or service upgrade is permitted under NEC 2020 or later, expect an SPD on the quote.

Types of SPD

Layered protection:

Type 1: installed on the line side of the main, often at the meter
Type 2: installed at the panel, the most common residential choice
Type 3: point-of-use strips for electronics

What to expect

A Type 2 SPD installs in a breaker space or beside the panel in under an hour if a space is available. Look for a status indicator and a manufacturer's connected-equipment warranty. Keep point-of-use strips for TVs and computers — the layers work together.

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Frequently asked questions

Will a surge protector stop a direct lightning strike?

No device stops a direct strike. SPDs handle the far more common induced surges and utility switching transients.

How long do SPDs last?

They degrade with each surge they absorb. Check the status light periodically and replace when indicated.

Is it worth it for an older home?

For a modest cost it protects HVAC boards, appliances, and electronics that are increasingly surge-sensitive. Many electricians recommend it for every home.

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This guide is general information, not engineering or legal advice. Electrical codes are adopted and amended locally — consult a licensed electrician and your local building department for your project.