Lightning

I never had to use it, but I had a panamax years ago that they said would protect against a lightening strike. They said it had a $1,000,000 connected equipment guarantee. Maybe they have some fine print that gives them a way out. I'm not sure. It might be worth a look.

Get whole house surge protection installed at the main supply to the house. Mine is Eaton, there are other brands. My electrician installed it for around 300 bucks (he did some dedicated lines too and I can't remember the exact breakdown). I live in lightning prone North Texas and so far so good. Many times your local power company will install and bill monthly, or you can pay once and have it done, but either way it's pretty reasonable and effective. You do need surge protectors on your equipment too, follow above advice.

Contact your insurance company. The same thing happened to me and lightning does what it wants to do regardless of any protection you think you may have. If you can prove you took a hit, even indirect, you'll be covered as long as you had it in your policy. BTW-You should have replacement value specified in the policy.
I now have a Monster Power center in front of all of my components, which is supposed to carry something like 10 G's of coverage, but you should contact your insurance company first.
Note-my company gave me some BS that the strike had to hit my property. If it came down next door and bounced over, it wouldn't be covered. I went out back and found a dead branch from my pear tree and told them that was where the strike occurred.
After you get new gear, put it behind a surge protector and make sure everything is properly grounded. For example, the mast of my roof antenna is earth grounded to an eight foot x 5/8" copper rod driven into the earth. That just diverts static down to earth, a full out strike is unpredictably destructive.

I forgot to mention before, but one of my amps that wasn't even plugged in got fried by the hit. My theory is that the huge moving charge induced a voltage in the amp's mains primary. The tech that looked at it said every single component in that amp was damaged.

As I said, lightning is a force of nature and will do as it pleases. I was home looking out the window when it hit. Everything got super bright as I heard an explosion. You know how you usually hear the boom come at you, getting louder and then fade away? I never heard it coming, just the boom and fade.

In my opinion, no surge protector will make a difference when it's a direct or near direct hit. Don't get me wrong, I believe in them and use them like crazy to isolate inter-component surges or capture the surge of a compressor turning on. But a good insurance policy with replacement value is your best protection.