o ok,so that device that gets connected to breaker box does that have to be installed by a professional or can a homeowner do it himself???? where can you get that? home depot?
First let's be quite clear what actually does protection; what actually absorbs energy.. No protector does that protection. An effective protector connects to what does protection (what absorbs energy). And what should have most attention: single point earth ground.
'Whole house' protectors are manufactured by a long list of companies known for better integrity. Including Intermatic, Siemens, ABB, Ditek, Polyphaser, General Electric, Square D, Syscom, Leviton, and Square D. These can be purchased in most any electrical supply house. An effective Cutler-Hammer (Eaton) device sells in both Lowes and Home Depot. (Ironically, one Lowes store told me theft of these devices is significant. So it might be in a secure location.)
Earth ground determines protection during each surge. Life expectancy of a protector is defined by its current rating. Since a typical lightning strike may be 20,000 amps, then a minimal 'whole house' protector is 50,000 amps. Because effective protectors must connect a surge low impedance (ie 'less than 10 feet') to earth. And remain functional.
Defined is a 'system'. Components include protector, wire, and electrodes. Connecting an AC surge current to earth means that 'whole house' protector that is installed by the homeowner (if comfortable clicking and wiring breakers into the box) or is installed by an electrician. Another alternative is a 'whole house' protector rented from the AC utility. Installed by them behind the electric meter.
For the system to be effective, all connections to earth must be low impedance (ie no sharp wire bends) and short to a single point ground. That means a telco 'installed for free' protector also must connect low impedance to the same electrode. Cable and satellite dish need no protector to make that connection. Both are connected only by a wire, again, directly and low impedance to the same electrodes.
Appreciate that some electricians are not taught basic and relevant electrical concepts. Find and follow a bare copper, quarter inch wire that connects the breaker box to the earthing electrode. If that wire goes up over the foundation and down to earth, then protection is compromised. That wire is too long, has sharp bends over the foundation, and is probably bundled with other non-grounding wires. It meets code. But is insufficient also for surge protection. A better informed electrician would route that ground wire through the foundation and down to earthing electrodes. Then a connection is low impedance.
Protectors are simple science. The 'art' (what actually does protection) is single point earth ground and connections to it. A protector simply does to what a wire would otherwise do better. Most important is that connection to and quality of earthing electrodes (that also can be purchased in the same above stores).