The inverter in our motorhome runs 2 circuits-- the microwave on one, and the TV and coffee pot plug on another. That's ALL the inverter powers. It IS connected to shore power, and when the shore power is hot, the inverter stops inverting and sends the shore power (instead of inverter power) to the breaker box.
Now, I'm not sure why a surge would affect the inverter, since it's just sending the current to the junction box and not actually USING it for anything. Some fragile piece of electronic equipment in the bypass circuit, I guess...
Anyway-- the inverter in our boat will never have that problem, because it's not connected to any outside AC source, just the house batteries. I have a switch on my lower helm, and with it I'm either on shore power, OR genny power, OR inverter power, OR no power. And that's the way I like it, no automatic switch boxes or bypass circuits to malfunction.
As for power surges, the only time I've ever had one was when lighting hit my house...
1988 SkipperLiner 53x14
1995 Tracker Party Cruiser 32 *for sale*
2003 Chaparral 260 SSI
2000 Allegro Bus 40' DP