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As a safety measure, you should always turn off the main breaker while operating your generator’s backup breaker. In addition, you should also switch off all appliance breakers so you don't have a power surge when the main breaker turns back on. And finally, turning off the main breaker prevents back-feeding, which endangers utility workers with the risk of electrocution. Back-feeding could also destroy the electrical circuits of your neighbors if they use the same power network.

No, you shouldn’t use an extension cord to plug a generator directly into your home without using a transfer switch. That’s because systems like pumps and HVAC fans need a steady power source that might not be available directly from your generator alone. If you bypass the circuit breaker box, you risk damaging your electrical system, creating a risk of electrical fire or electrical shock to you or any workers repairing lines on your local electrical grid.

It might seem counterintuitive, but installing a generator transfer switch will save you money in the long run. While you’ll have to pay between $400 and $2,500 to have the transfer switch installed, you’ll recoup that amount later on when you don’t have to pay for expensive repairs to your appliances, devices, and electrical system that may have burned out, overloaded, or stopped working due to a sudden loss of power or an incorrect hook up of a generator to your home. 

A 10,000-watt generator can run a small to mid-sized central AC unit (typically up to 3 tons or 36,000 BTU) along with a few other appliances. However, larger AC units or additional loads will require a bigger generator. Consult a local generator installer to ensure you add the correct size generator to your home.