In surge prone areas, at a minimum I would have good quality whole-house surge protector (eg Siemens 140 or Eaton 108), and a good quality surge protector strip for any computer/TV/phone charger.
I also put surge protectors in front of expensive white goods like the fridge, washer/dryer, dishwasher, and garage door opener. Besides being costly to replace these can contain "sparky" motors and this provides protection in the other direction too. Over time smaller surges can degrade the main surge protector for your computer.
Nothing (reasonable) can protect against direct lightning strikes, but for anything less it should provide decent protection.
Belkin make a number of surge protectors which offer a connected equipment warranty in the UK. Admittedly: financial protection, not data protection, but I felt it was worthwhile for the peace of mind.
https://www.belkin.com/id/p/6-outlet-surge-protection-strip-...
You should have data backups regardless, because there are plenty of ways to lose data that don't involve power surges.
What areas are surge prone?
But then again there's horror stories like
https://www.reddit.com/r/applehelp/comments/1maegvb/i_burned...
You can install a whole house surge protector. Those go in the panel and would protect from different sources.