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400 Amp Installation for New Home Use of Meter Main

New custom home to be built in Tennessee. TN still uses 2017 NEC. This post is just to see what others have to say about what I plan on having for electric service. The house will be close to 3200 square feet with a 2-vehicle garage attached via a breezeway there will be a bonus room above the garage with a kitchenette and bathroom approximately 900 square feet of living space. An additional 2 vehicle RV garage will be built adjacent to the House ad garage. What I envision having is a 200AMP Load Center for the House, a second 200Amp Load Center for the Garage/Bonus room, and a 100amp load center *sub-panel in the RV Garage.

Therefore, my idea is to have a 320/400Amp 1-Phase 3-Wire 120/240VAC 2-circuit Ringless Meter Main (e.g. Siemens MM0404L1400RLM or perhaps the Siemens MC0816B1400RLTM Combination Meter Load Center to accommodate some exterior lighting and security circuits with the slots in that combo panel). And based on NOT having to comply with the 2020 NEC section 230.85 for an emergency disconnect, I am hoping to use the Meter Main to split into the (2) 200 Amp Loads.

The Meter Main will then supply the (2) 200 Amp Load Centers (one in the home utility room, and the second one mounted in the attached Garage, with a 60 or 100 Amp Breaker feeding the 100Amp Load Center in the RV garage.

The home will also have a Emergency Standby Generator (e.g. Generac Natural Gas Generator) located near the Garage with the transfer switch near to the Meter Main Panel.

I do understand that all of this will need to be acceptable to the AHJ and a licensed Electrical Contractor will need to perform the work based on loads and codes. But what I am am looking for here is some comments from this group as to how this sounds.

The house will be several hundred feet from the POC line at the road, and my desire is to have underground conductors in conduit. Lastly -- One thought I want to explore with the POC is whether they will allow us to have a pad mounted transformer near the road and also have the meter near the Pad Mount Transformer (as in using Transformer/Meter Combo produced by Nordic Fiberglass, Inc. where there is a Meter Pedestal built onto the Pad Box).

Please share your thoughts... I'm not an electrician but I am a retired Construction Project Manager with over 50 years of construction experience - having worked in over 11 states and pretty much done it all to some degree - including building my own home previously and doing my own electrical work for myself and for customers when I was a builder.

This time I am having a General contractor build this Custom Home for me, I am just going to look over their shoulders.