Have one of those too, unfortunately I don't have any insurance of any 
kind, not even life...

Feroze

graywolf wrote:
> You can also get surge protector circuit breakers for you electrical panel, 
> up to and including the main breaker which will give whole house protection. 
> They are hell for expensive however. And as far as I know all those insurance 
> plans (that is what they are although they call them warranties so they do 
> not have to be a licensed insurance company) exclude direct hits, otherwise 
> they are likely to be replacing your house.
>
>   

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