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Annapolis, MD — Licensed & Insured

Electrical
Panel Upgrades

Is your home still running on a 100-amp panel? Outdated panels can’t handle modern electrical loads and are a serious fire risk. Unity Electric upgrades panels throughout Annapolis and Anne Arundel County — permits handled start to finish.

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Warning Signs

6 Signs You Need a Panel Upgrade

Your panel was designed for the electrical demands of its era. Modern homes draw 3–5× more power than homes did 30 years ago. If any of these sound familiar, call us for a free assessment.

Breakers trip constantly

Frequent trips mean your panel is overloaded. It’s trying to protect you — but it’s telling you the system can’t handle your home’s load.

Home is 25+ years old

Federal Pacific Stab-Lok and Zinsco panels — common in homes built before 1990 — are known fire hazards. Many insurance carriers refuse to cover them.

Flickering or dimming lights

Lights that dim when appliances start signal voltage-dropping under load — a sign of insufficient panel capacity.

Burning smell or warm panel

A warm panel or burning smell is a fire emergency. Loose connections and overloaded bus bars can arc and ignite. Call immediately.

Adding an EV charger or hot tub

A Level 2 EV charger needs a dedicated 50A, 240V circuit. A hot tub needs 50–60A. These often require a panel upgrade first.

Buying or selling the home

Home inspectors flag outdated panels. Many lenders and insurers require an upgrade before closing. Get ahead of it.

⚠ Federal Pacific & Zinsco panels: These brands have a documented history of breakers failing to trip during overloads. If your panel says “Stab-Lok” or “Zinsco,” consider replacement an urgent safety priority.
100A vs 200A

Why 200A Is the Standard Today

The average home built before 1990 has a 100-amp panel. Today’s home — with EVs, HVAC, induction ranges, and smart appliances — can easily require 150–200 amps of capacity.

100-Amp Panel

Typical pre-1990 home
  • ✕Cannot support EV charger and AC simultaneously
  • ✕Limited slots — no room to add new circuits
  • ✕Often uses outdated breaker technology
  • ✕Flags on home inspection reports
  • ✕Some insurers refuse to cover problem brands
  • ✕No capacity for major kitchen or HVAC upgrades
✓ Recommended Upgrade

200-Amp Panel

Modern NEC 2023 standard
  • ✓Handles EV charger, AC, and appliances simultaneously
  • ✓40+ circuit slots — room to grow
  • ✓Supports AFCI and GFCI breakers for NEC compliance
  • ✓Passes home inspection — satisfies lenders
  • ✓Insurable with all major carriers
  • ✓Future-ready for solar, batteries, and EVs
See It For Yourself

Inside a 200A Panel — Every Component Explained

Scroll down to open the panel. We'll walk through every part, from the 200-amp main breaker to the breakers that protect your family, and show how power flows through your home.

STEP 01 / 11

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ONOFF200 405020GFCI20GFCI15AFCI15AFCI1520GFCI20201550303015AFCI1520GFCI2020GFCI20 123456789101112131415161718192021222324252627282930DANGER · HIGH VOLTAGEMAIN 200A LOAD CENTER200 AMP · 120/240 V⚠ HAZARDOUS VOLTAGECIRCUIT DIRECTORY1–3 Heat pump / A/C5–7 Range9 Kitchen counter11 Kitchen counter 213 Bedrooms15 Primary bedroom17 Hall + stair lights19 Bathrooms21 Refrigerator23 Dishwasher25 Disposal2–4 EV charger6–8 Dryer10–12 Water heater14 Living room16 Lights18 Garage20 Laundry22 Outdoor outlets24 MicrowaveWIRING DIAGRAM · RATINGS · WARNINGS LIVE even when the main is OFFLeg A · 120VLeg B · 120V240V between the two legs240V · double breaker120V · single breakerBonding screwNeutral barGround barGFCI · kitchenAFCI · bedroomsCircuit directoryDead front · the safe cover200-amp main breaker

Busy evening load

  • Lights & outlets20 A
  • Refrigerator6 A
  • Heat pump / A/C35 A
  • Electric range40 A
  • Clothes dryer24 A
  • EV charger40 A
100A panel limit
0 Aof 200 A
120V

Standard circuits

Every outlet, light, and small appliance in your home runs on 120V. These connect to a single bus bar via a single-pole breaker (15A or 20A). The neutral wire completes the circuit back to the panel.

240V

Large appliance circuits

Dryers, ranges, water heaters, EV chargers, and central AC all run on 240V. These circuits use a double-pole breaker that spans BOTH bus bars simultaneously. One wire connects to Leg A, one to Leg B.

200A

Total available capacity

Your 200A main breaker limits total simultaneous load. A modern home with an EV charger, central AC, and an electric range can approach 150A of load — which is exactly why 100A panels are no longer sufficient.

Our Process

How a Panel Upgrade Actually Works

Most homeowners are surprised how smooth the process is. We handle everything from the permit to the final county inspection.

1

Free Assessment

We evaluate your current panel, calculate your load requirements, and provide a transparent upfront quote with no surprises.

2

Permit Pulled

We file the permit with Anne Arundel County. All panel upgrades in Maryland legally require a permit — we handle it completely.

3

Installation Day

Your power is off for 4–6 hours while our licensed electricians install the new panel. We clean up completely before leaving.

4

Inspection & Sign-Off

We coordinate the county inspection, ensure everything passes, and give you a copy of the final permit for your records.

Common Questions

Panel Upgrade FAQ

Most panel upgrades are completed in a single day. Your power will be off for approximately 4–6 hours during the installation. We schedule the county inspection in advance so there is no waiting around.

Panel upgrades in Maryland typically range from $1,500 to $3,500 depending on your current panel, the scope of work, and whether any additional wiring is needed. We provide free, no-obligation upfront estimates.

Yes. Someone needs to be home since your power will be off during installation. We schedule a specific time window and work efficiently to restore power as quickly as possible, typically within a half day.

Yes. All panel upgrades in Maryland require a permit from the county. Unity Electric handles the entire permit process including the application, scheduling, and inspection so you do not have to do anything.

Yes, potentially. Federal Pacific Stab-Lok breakers have a documented failure rate where they do not trip during overloads, which can cause fires. Many insurance companies refuse to cover homes with these panels. We strongly recommend replacement.

It depends on your current panel capacity. A Level 2 EV charger needs a dedicated 50A, 240V circuit. We assess your panel load during the consultation and can often install the EV circuit without a full upgrade. If capacity is limited, upgrading makes sense.

Ready to Upgrade Your Panel?

Free estimates · Permits handled · Licensed master electrician · Annapolis, MD

📞 (410) 267-4293