DU Lou wrote: “One must compare surge suppression capability across L-N, N-G, L-G and L-L.”
One can install a solution that sits between those wires. Then, when a surge exists, maybe 330 volts exists between each wire (view a let-through voltage on its box). And each wire is maybe 6000 volts relative to earth. Yes, three zeroes.
Surges that damage an Insteon were seeking earth ground. Nothing will stop that current. Anything that tries to stop that current only suffered an increased voltage that blows through, destructively.
Protection means current is connected to earth BEFORE it can enter the building. Anything that would protect from that current without a low impedance (ie 'less than 10 foot') connection to earth is simply putting that surge on more wires. Giving the surge even more paths to find earth destructively via an Insteaon or other nearby appliances.
Every layer of protection is only defined by what absorbs hundreds of thousands of joules. That is earth ground. Either a protector connects that current low impedance to earth. Or that protector does nothing useful. Protection is always about where hundreds of thousands of joules are absorbed.
Your primary surge protection system is installed by the utility. Pictures that demonstrated what to inspect:
http://www.tvtower.com/fpl.html Your secondary protection system is defined by how each wire in every incoming cable connects to a building earth ground. Safety ground in a receptacle is not earth ground. Each layer of protection is defined by the earth ground.
Some wires (ie cable TV) need no protectors. A hardwire from that cable to earth ground is the best protection.
The most common source of surges (AC electric) must have a 'whole house' protector rated at least 50,000 amps. To do what that hardwire does. A typical direct lightning strikes to wires down the street may be 20,000 or rarely 100,000 amps. That is a direct strike to every household appliance. Anything that makes a better connection to earth gets damaged. A 'whole house' protector must be rated for higher currents. So that lightning finds earth on a shorter (ie 'less than 10 foot') connection to earth. A minimally sized 'whole house' protector starts about 50,000 amps so that direct lightning strikes do not even damage a protector.
Those L-N, etc protectors are for surges that are typically not destructive. Protection already inside every appliance makes those transients (voltages between those wires) irrelevant. Your concern is the current source (ie lightning) that seeks earth ground. 'Protection' means that current creates near zero voltage because it is connected to earth BEFORE entering the building. 'Damage' means that current created a high voltage because it was permitted to go hunting inside the house.
Defined was a minimally sized 'whole house' protector. But critical is how its wire to earth is routed (for low impedance - 'less than 10 feet'). And the quality of single point earth ground.
A protector is only a connecting device. Either it connects to what absorbs hundreds of thousands of joules (single point earth ground). Or it connects that surge to earth destructively via nearby appliances. Your choice. A protector is only as effective as its earth ground. You decide where that energy gets absorbed.