We've got a 1990's house, but have lost a fax machine (it was part of a multifunction laser printer), cordless telephone base unit, DirecTV satellite TV box HDMI, and a pricey home theater receiver HDMI circuit (same strike as the DirecTV hit) due to lightning.
And we didn't lose them due to surges on the AC circuit (which was surge protected), we lost the fax and cordless telephone due to lightning surges on the telephone line. We lost the satellite box and receiver due to a lighting surge on the satellite box coax cable from the dish. So make sure you protect your telephone line and coax cable too (I didn't, I just protected the AC)! Many surge protectors offer protection for them, if you use it.
And just a week ago, we had a refigerator/freezer in the basement go out costing several hundreds of dollars in spoiled food. The GFCI socket got tripped after 8 months of no problems.
There was a lot of lightning around that time and I at first thought that damaged the refrigerator and tripped the GFCI, but after doing a lot of testing I found the refrigerator to be fine.
So after doing more research, it seems it might not be a good idea to plug a refrigerator into a GFCI socket. When the defroster goes on, that creates moisture in the frig, and moisture in the wrong place will trip a GFCI. When I did the wiring, I was told all kitchen sockets were required to be GFCI. But after reading more, I'm not so sure and a frig may be exempt from that requirement. I've already rewired that socket away from the GFCI, and I tested the upstairs frig AC socket and see it is also not connected to GFCI.
We have a whole house surge protector too, which I think is a good idea up here. But the light went out on it recently, which I've read means it's not effective anymore. I've looked to replace it, but it seems to of been discontinued.
So now I'm looking for a different whole house surge protector, and one that works for general lightning strikes too (not that anything will protect a direct strike). I found this one on Amazon which isn't too expensive, has good reviews and seems much easier to install than the one I had. But I don't have a clue if it would really be very effective. The reviews just mentioned a TV home show installed it in their homes.
www.amazon.com/WHOLE-LIGHTNING-PROTECTOR...ouse+surge+protector
Fun times in lightning country! And I agree you should get an AC socket tester. I think mine cost less than $10 and it can test the GFCI circuit too. The cheaper ones won't.
And don't get me into the arc fault circuit breakers which are more recently required by code. Those have caused me other problems with false trips.