IME, renters/home owners insurance only covers electronics if they are plugged into surge protectors. I wouldn't risk a $150+ light on "just" a gfci. A surge protector, even the cheap ones, will protect your investment much better.
just my two cents, but 25$ on a surge protector seems smart. I screw mine to back of the stand on all my tanks. You get a drip loop also, so that's a win.