Couple of things. As a person with towers and aluminum antennas in the air and copper antennas running around, I have some small experience. I also worked in the telecommunications industry for many decades.
First things first. There isn't any surge arrestor gonna stop something you can see in the way of blue fire and flame. If you have lightning in the house you can see, well all bets are off. But that doesn't mean the better ones can't work for you. Because they can help clamp those surges from strikes down the street that can and will kill your electronics.
We have whole house surge arrestor, and individual ones and UPS's on more sensitive things. TV's and Amateur radio equipment. I also unplug all antennas connections. and all connection from the Ham gear to any PC's etc.
Grounding and bonding is extremely important in your ham station build, but you are talking about refrigerators freezers and TV's. Make sure the electrical panel is properly grounded, you would be surprised how many are not. "electricians apprentice, Hey boss I can't get this darn ground rod pounded in, too much rock. "boss" Aw just cut it off, they will never know"
If you have the money and want to do it you can have a PE (professional engineer) or a good electrician you really trust to perform a test on you ground system. I have recommended it as a telephone professional to building owners on buildings that were getting hit all the time and destroying our telephone and audio equipment. Each time the building was found by the PE to be at fault. The problems was original electrician was the problem. Too **** lazy to do their jobs. It is more common than you think.
But these things cost money, and most homeowners assume that the system was installed and inspected correctly. I am telling you that in the commercial buildings I have been involved that cost millions of dollars it is not uncommon. I have seen it, I have seen the results after the buildings were built, I have seen what competent electricians can do to fix it, and I have seen or rather not seen the problems after proper grounding. But hopefully your home is A OK.
So bottom line: Whole house surge. Extra surge and UPS's for sensitive equipment. and if you see a doozie storm coming and can do so safely unplug your crap.
Funny story from long ago, that begins with "and this is no chit" Friend of mine who happened to be a TV repair man, was proud of new TV in his home. Storm was on the way, so he unplugged TV and Antenna and rolled TV to center of room. The storm was a biggun. with lots of lightning. His home got struck and a lot of wiring damaged, and TV in center of room was facing an AC receptacle that was struck and it blew a chunk of the receptacle out of the wall and struck the TV in the picture tube puncturing it.
So sometimes your crap is just gonna get destroyed and their aint much you can do but keep your homeowners payed up.