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My Onan factory installed generator does not have a separate surge protector built in. I have put small surge protectors on things like the TV, satelite receiver, and microwave.
I use a Surge Guard protector when hooked up to campground power. It is a 50 amp unit and it works for both 50 and 30 amp hook ups. It is not a circuit breaker. It is for protection against over and under voltages as well as sharp 'spikes/surges' from the power source.
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