These devices operate like a giant version of those surge-protector strips that many homeowners use to protect PCs or flat-screen TVs, and they often come with great guarantees.

The APC SurgeArrest Panelmount SPD PMF2X ($400 list) is a three-phase, 80-amp (per phase) surge protector that connects directly to your power service panel.

QUESTION: I have heard you recommend that Arizona homeowners should think about installing full-home surge protectors. I've wanted to add one of these to my house for a while.