The portable GFCI shown above is really to protect you if you from electrical shock, not protect equipment from surges. It is not what you need for that.

Does your agent work for the company? For example, my Allstate agent doesn't work for Allstate. I can converse with the agent without the company being aware of a possible claim. Maybe this kind of claim won't raise your rates, like comprehensive insurance claims in CA auto policies.

How much is your deductible?