Earlier quoted context omitted.
To prevent that you'll want to s̶t̶o̶r̶e̶ ̶s̶n̶a̶p̶s̶h̶o̶t̶s̶ ̶r̶e̶m̶o̶t̶e̶l̶y̶ ̶s̶o̶m̶e̶w̶h̶e̶r̶e̶.̶ use a surge protector
Don't forget to replace your surge protector on an annual basis (or more frequently if you have really dirty power). Also, you can have a nasty fault in your PSU that fries everything also (If anyone knows of a surge protector that sits between the power supply and the motherboard, I'd really like to get one).
I think the best you can do is just get a top-quality power supply. SeaSonic will sell you a ridiculously overengineered box with a 12-year warranty for $160; it's guaranteed to have a longer useful lifetime than any other component in your computer, probably even including the case itself.