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The size of your home will help determine the size of your electrical panel. Usually, the decision comes down to a 100-amp electrical panel versus a 200-amp panel. Smaller homes, especially those without an HVAC system, may be able to get by with a 100-amp panel. 

If you have a larger home or need to power AC, a 200-amp panel should be the best fit. It’s unlikely that you’ll need a larger panel than that unless you have a larger home or unique electrical needs, but an electrician can help you make the final call.

Choosing between 12- or 14-gauge wire for your house depends on the electrical requirements of the circuit. A 12-gauge wire is thicker and can handle more power, making it better suited for devices such as kitchen appliances, air conditioning units, or electric heaters.

A 14-gauge wire is thinner and can handle less electrical current than a 12-gauge wire. It's ideal for circuits with lower power requirements, such as lighting or general-purpose outlets in bedrooms or living rooms.

For a 200-amp underground service, you need a minimum of #2/0 American Wire Gauge (AWG) copper or #4/0 AWG aluminum or copper-clad wire. Don’t forget that, at minimum, you’ll need to use a 1 1/2-inch schedule 40 or 80 PVC conduit to successfully run a 200-amp underground service.

Upgrading your electrical panel is often worth the cost for safety, improved electrical performance, and potential long-term savings. A primary benefit is preventing electrical fires and other hazards from a malfunctioning panel, ensuring your household's safety. An upgraded panel also provides a steady flow of electricity, eliminating issues like flickering lights and frequently tripped breakers. It allows you to connect additional appliances without overloading the system, which is especially beneficial for older homes with 100-amp service that are prone to overheating. If you run large appliances like central air conditioning, heating systems, hot tubs, or saunas, you might consider upgrading to a 300- or 400-amp service to meet the higher electrical demand. Furthermore, an upgrade can lead to long-term savings on energy bills and potentially lower insurance costs.