If the *actual* problem is surges due to your house being struck with lightning, a full house surge suppression unit will do NOTHING for you. The way surge suppressors work, is when the current/voltage spikes very high on the input, it grounds the line to dump the excess.
To better visualize:
Line in -> Breaker -> House -> Outlet -> Device
In a situation with a suppressor at the breaker, you would have this:
Line in -> Suppressor -> Breaker -> House -> Outlet
Such a setup would NOT protect you from a lightning strike, which is:
Lightning -> House -> Outlet -> Device
The only way to protect your devices from death due to lightning strike is to put a supressor between the outlet and the device:
Lightning -> House -> Outlet -> Suppressor -> Device
I find a good low cost option is to stick a Line Conditioner on each outlet that's sized for the devices that will plug into it. So my computer has an 1800W Line Conditioner, while my receiver and TV only have a 600W Line Conditioner. It'll only run a few hundred bucks to protect all the appliances you are interested in saving from lightning.
As mentioned by everyone else, if it's not life ending, insure it and just replace.