A research guide for the insurance letter
Got an insurance letter about your electrical panel?
Identify the brand on the door, see what carriers typically ask for as proof, and open a city page for permits, the utility meter pull, and published 2026 cost ranges. In these metros only, we also list electricians who advertise this exact job and print a license number.
Start with the door, not a quote form
Identify
Federal Pacific Stab-Lok, Zinsco/Sylvania, Pushmatic, Challenger, or a fuse box, using labels and official records, not rumor.
Proof
Permit record, final inspection, invoice, photos. Taken from public electrician and insurer pages, with a note when a rule varies by carrier.
Cost
2026 ranges taken from contractor pages we can link. If a city has no published number, we say so.
167 city guides
Each page is the packet after the letter: the permit counter, the utility meter pull, a published price band we can link, and a short list of shops that advertise this job and print a license.
- Akron, OHOne Akron shop publishes two panel bands. We are not inventing a Summit midpoint from them
- Albany, NYOne Capital District shop publishes several bands on the same page. They do not match. We do not invent a midpoint
- Altamonte Springs, FLSpectrum Electric, from Casselberry, puts the Altamonte Springs move to 200 amps under what Sanford Electric Company's Seminole County guide tells customers to budget. We are not inventing a Newburyport Avenue midpoint from either system
- Amarillo, TXOne Temple shop and one Dallas shop publish Texas panel bands that do not match. We are not inventing a Buchanan Street midpoint from them
- Amery, WIOne Amery shop and one Pewaukee shop publish Wisconsin panel bands that do not match. We are not inventing a Maple Street midpoint from them
- Ann Arbor, MIOne Northern Colorado shop and one Palm Coast shop publish panel bands that do not match. We are not inventing a Huron Street midpoint from them
- Asheville, NCOne Asheville shop publishes two 200-amp bands that do not match. We do not invent a Buncombe midpoint
- Atlanta, GA$1,800 to $3,000 for Federal Pacific / Zinsco replacement on one Atlanta contractor page
- Augusta, GAOne Upstate shop and one Savannah shop publish panel bands that do not match. We are not inventing a Telfair Street midpoint from them
- Austin, TXPublished Austin bands disagree; we do not invent a midpoint
- Bakersfield, CAOne Bakersfield shop publishes starting floors, not a single closed band. We do not invent the missing ceiling
- Baltimore, MDTwo Maryland shops publish Baltimore-area bands that do not agree on the floor
- Baton Rouge, LAOne Baton Rouge shop publishes a panel-upgrade band. We are not inventing a Parish midpoint from it
- Bellingham, WAOne Whatcom shop publishes a Bellingham panel band. We are not inventing a Lettered Streets midpoint from it
- Bend, OROne Central Oregon shop publishes a 200-amp floor. We are not inventing a Deschutes midpoint from it
- Birmingham, ALOne West Texas shop and one Nashville shop publish panel bands that do not match. We are not inventing a 20th Street midpoint from them
- Boise, IDOne Treasure Valley shop publishes a 200-amp band. We are not inventing an Ada midpoint from it
- Boston, MAPublished Greater Boston bands disagree; we do not invent a midpoint
- Brandon, FLOne Tampa Bay shop prices a same-location swap and a service-entrance job on the same page. Hillsborough County published neither
- Canton, OHOne Massillon shop and one Akron shop publish Ohio bands that do not match. We are not inventing a Market Avenue midpoint from them
- Cape Cod, MABergeron's Worcester County band and Reece's statewide table, both written from Central Massachusetts, do not match, and neither one prices a Cape house. We are not inventing a Hyannis midpoint from them
- Casselberry, FLSpectrum prints a Casselberry upgrade range. Sanford Electric prints one shop’s range for Sanford homes with county permits included. They price different jobs
- Cedar City, UTOne Cedar City shop publishes three 2026 panel bands that do not match. We are not inventing a Main Street midpoint from them
- Chambersburg, PAA Hagerstown shop and a Harpers Ferry shop publish panel bands that do not match. We are not inventing a Franklin Street midpoint from them
- Charleston, SCOne Charleston shop publishes two 200-amp bands that do not match. We do not invent a Lowcountry midpoint
- Charlotte, NCPublished Charlotte bands disagree; we do not invent a midpoint
- Chattanooga, TNNeither published panel band comes from the Chattanooga area. A Nashville page and a Bartlett page print bands that do not match, and we are not inventing a Market Street midpoint from them
- Chicago, IL$1,500 to $3,000 is the published standard-replacement band from one Chicagoland shop
- Chico, CAOne Chico shop publishes a typical California band and a Chico band that do not match. We are not inventing a Bidwell midpoint from them
- Cincinnati, OHTwo Cincinnati shops publish bands that do not describe the same job
- Citrus Heights, CAUnder The Sun's Sacramento guide and Peach Electric's panel page both name Citrus Heights, and their bands disagree. We are not inventing a Fountain Square Drive midpoint from them
- Clearwater, FLA Lee County FAQ and a Flagler County price table carry the only bands here, and they do not match. We are not inventing a Myrtle Avenue midpoint from them
- Cleveland, OHOne Northeast Ohio shop publishes an FPE replacement band; we do not invent a second midpoint
- College Station, TXOne West Texas shop and one Temple shop publish Texas panel bands that do not match. We are not inventing a Texas Avenue midpoint from them
- Colorado Springs, COOne Colorado Springs shop publishes a typical 200-amp band. Another names the brands and will not print a number on that page
- Columbia, SCOne Columbia shop publishes Federal Pacific bands that do not match. A second shop publishes a different swap band. We do not invent a Midlands midpoint
- Corona, CACorona charges $372.00 under Table D just for the permit. SPD in Rancho Cucamonga and Power Man in Murrieta print FPE ranges that do not overlap
- Corpus Christi, TXOne Corpus Christi shop publishes panel bands that do not describe one job. We do not invent a Coastal Bend midpoint
- Dallas-Fort Worth, TX$2,750 to $4,800 is the standard 200A DFW band on one local contractor page
- Denver, COPublished Denver 200-amp bands disagree; we do not invent a midpoint
- Des Moines, IATwo Central Iowa shops publish bands that do not match. We do not invent a Des Moines midpoint
- Destin, FLOne Fort Walton Beach shop and one Palm Coast shop publish Florida panel bands that do not match. We are not inventing an Indian Bayou Trail midpoint from them
- Duluth, MNOne Duluth shop and one Twin Cities shop publish panel bands that do not match. We are not inventing a First Street midpoint from them
- Elk Grove, CATwo Sacramento-area contractor pages put a 100-amp to 200-amp upgrade at $1,500 to $3,500 and $1,800 to $3,500
- Encinitas, CAThe city’s Building page prints no panel fee. Landers gives a range by service type and RCH gives only a starting price
- Escondido, CAThe $176 in Escondido’s fee guide is a permit base fee, not an install price. Landers prices by service type and RCH prints only a starting price
- Eugene, OROne Lane County shop publishes a panel-upgrade band. We are not inventing a Eugene midpoint from it
- Evansville, INOne Evansville shop and one Southern Indiana shop publish panel bands that do not match. We are not inventing a Civic Center midpoint from them
- Fairfield, CAOne Solano shop publishes a 200-amp band. We are not inventing a Webster Street midpoint from it
- Fayetteville, ARTwo Northwest Arkansas pages publish 200-amp bands that do not match. We are not inventing a Wedington midpoint
- Folsom, CAThe listed shop's Sacramento table and a second Sacramento shop's FAQ give the bands here, and the two disagree. We are not inventing a Natoma Street midpoint from them
- Fort Myers, FLOne Fort Myers shop publishes a full-upgrade band. We are not inventing a Lee County midpoint from it
- Fort Pierce, FLA Port St. Lucie shop prints $2,000 to $4,000 for a Federal Pacific or Zinsco replacement
- Fresno, CAOne Fresno shop publishes 200-amp bands that do not describe one job. We do not invent a Central Valley midpoint
- Gainesville, FLOne Fort Walton Beach shop and one Palm Coast shop publish Florida panel bands that do not match. We are not inventing a Sixth Avenue midpoint from them
- Grand Rapids, MIOne West Michigan shop publishes a 100-amp to 200-amp band. Another names the brands and will not print a number
- Greensboro, NCOne Greensboro shop and one Palm Coast shop publish panel bands that do not match. We are not inventing a Washington Street midpoint from them
- Hartford, CTOne Eastern Connecticut shop publishes a 200-amp band. We are not inventing a Hartford midpoint from it
- Hemet, CAThe city prints a $200 permit fee and no install price. A Murrieta shop and a Temecula shop give ranges for the same kind of swap that meet only at $4,000
- Hickory, NCPanel bands from Greensboro and from Palm Coast, Florida, do not match, and both come from outside Catawba County. We are not inventing a Government Drive midpoint from them
- Honolulu, HIOne Oahu shop publishes two job bands. We are not inventing a harbor midpoint from them
- Houston, TX$2,000 to $4,500 for most Houston upgrades published by a local contractor
- Hudson, FLCoastline prints a typical Hudson replacement band. Lightning Bay prints a bigger meter-base job on its New Port Richey page. The two do not describe the same work
- Huntsville, ALTwo Tuscaloosa shops publish West Alabama panel bands that do not match. We are not inventing a Fountain Circle midpoint from them
- Idaho Falls, IDOne Southeast Idaho shop publishes a national band. Local jobs can run higher. We are not inventing a Yellowstone Highway midpoint from the printed national band
- Indianapolis, INOne Indianapolis shop and one Central Indiana shop publish panel bands that do not match. We are not inventing a Washington Street midpoint from them
- Inland Empire / Riverside County, CAPublished Murrieta and Temecula bands disagree; we do not invent a midpoint
- Jacksonville, FLOne Jacksonville shop publishes a 2026 200-amp band; we do not invent a second midpoint
- Johnson City, TNOne Nashville shop and one Memphis-area shop publish Tennessee panel bands that do not match. We are not inventing a Main Street midpoint from them
- Kalamazoo, MIOne Galesburg shop and one Holland shop publish West Michigan bands that do not match. We are not inventing a Crosstown midpoint from them
- Lafayette, LAOne Acadiana shop publishes a Lafayette panel-upgrade band. We are not inventing a Pinhook midpoint from it
- Lake Charles, LAOne Southwest Louisiana shop publishes a 100-amp to 200-amp band. We are not inventing a Calcasieu midpoint from it
- Lakeland, FLOne Destin shop and one Palm Coast shop publish Florida panel bands that do not match. Neither is a Polk County number. We are not inventing a Massachusetts Avenue midpoint from them
- Lancaster, PAOne Lancaster County shop publishes a 200-amp band. We are not inventing a Duke Street midpoint from it
- Lansing, MIOne Lansing shop publishes two replacement bands that do not match. We do not invent a Capitol midpoint
- Las Vegas, NVOne Las Vegas shop publishes 100-amp, 200-amp, and 400-amp bands; we do not invent a midpoint from national calculators
- Longview, TXA Temple shop and a Dallas shop publish Texas panel bands that do not match, and neither prices East Texas work. We are not inventing a High Street midpoint from them
- Longwood, FLSanford Electric's 2026 guide is written for Sanford, and its own figures for a 100-amp to 200-amp job disagree. We are not inventing a West Church Avenue midpoint from them
- Los Angeles, CA$3,400 to $8,500 for most published residential upgrades
- Louisville, KYOne Louisville shop publishes two bands that do not describe the same job
- Lowell, MAOne Dracut shop publishes panel bands that do not match. We are not inventing a Merrimack midpoint from them
- Lubbock, TXOne Temple shop and one Dallas shop publish Texas panel bands that do not match. Neither is a Lubbock or Lubbock County number. We are not inventing an Avenue K midpoint from them
- Macon, GAOne Georgia page and one Savannah shop publish panel bands that do not match. We are not inventing an Eisenhower Parkway midpoint from them
- Manchester, NHOne Southern New Hampshire shop publishes a 200-amp band. We are not inventing a Merrimack midpoint from it
- Medford, OROne Rogue Valley shop publishes a straightforward replacement band. We are not inventing a Bear Creek midpoint from it
- Melbourne, FLOne Palm Coast shop and one Ocala shop publish Florida panel bands that do not match. We are not inventing a Strawbridge Avenue midpoint from them
- Memphis, TNOne Bartlett shop and one Nashville shop publish Tennessee panel bands that do not match. We are not inventing a Main Street midpoint from them
- Miami, FLPublished Miami 2026 bands disagree; we do not invent a midpoint
- Milwaukee, WIOne Pewaukee shop and one northwest Wisconsin shop publish panel bands that do not match. We are not inventing a Broadway midpoint from them
- Mobile, ALOne Destin shop and one Tuscaloosa shop publish panel bands that do not match. We are not inventing a Government Street midpoint from them
- Monterey, CAOne Central Coast shop publishes two panel bands that do not match. We are not inventing a Cannery Row midpoint from them
- Myrtle Beach, SCOne Grand Strand shop prints a 100-amp to 200-amp band; salt-damaged mast work is a different scope. We are not inventing a Socastee midpoint from the printed band
- Naples, FLOne Naples shop and one Palm Coast shop publish Florida panel bands that do not match. We are not inventing a Horseshoe Drive midpoint from them
- Nashville, TNOne Nashville shop publishes a 200-amp band; we do not invent a second midpoint
- New Haven, CTTwo New Haven County shops publish Federal Pacific bands that do not match. We do not invent a harbor midpoint
- New Orleans, LAA New Orleans-area shop and a Florida shop publish panel bands that do not match. The Florida number is not an Orleans Parish price. We are not inventing a Poydras midpoint from them
- New Port Richey, FLA Tampa shop's New Port Richey page prints $2,500 to $5,000 for a 200-amp replacement when the meter base is sound
- Norfolk, VATwo Hampton Roads shops publish panel bands that do not match. We are not inventing a Union Street midpoint from them
- Northern New Jersey, NJ$2,800 to $4,500 for a typical 200-amp upgrade; $3,500 to $5,500 for like-for-like FPE/Zinsco swaps
- Ocala, FLOne Ocala shop and one Palm Coast shop publish Florida panel bands that do not match. We are not inventing a Third Street midpoint from them
- Oceanside, CALanders prints $3,500 to $5,500 for overhead service. RCH starts a 100-to-200 step at $5,500. Neither is an Oceanside bid
- Ogden, UTOne Ogden shop publishes a 200-amp band and a higher line for mast work. We are not inventing a Weber midpoint from them
- Oklahoma City, OKOne Oklahoma City shop publishes two panel bands that do not describe the same job
- Olympia, WATwo Olympia shops publish 200-amp bands that do not match. We are not inventing a South Capitol midpoint from them
- Orangevale, CATNT Electric's Citrus Heights page and Under The Sun's Sacramento guide give different bands for the same 100-amp to 200-amp upgrade. We are not inventing a Goethe Road midpoint from them
- Orlando, FL$1,500 to $3,000 is the published Orlando 200-amp band on one 2026 contractor page
- Palm Coast, FLOne Palm Coast shop and one Ocala shop publish Florida panel bands that do not match. We are not inventing a Lake Avenue midpoint from them
- Palm Springs, CAOne Coachella Valley shop publishes a 100-amp to 200-amp band. We are not inventing a Tahquitz midpoint from it
- Panama City, FLOne Naples shop and one Palm Coast shop publish Florida panel bands that do not match. We are not inventing a Harrison Avenue midpoint from them
- Pasco, WAA North Carolina shop and a Florida shop publish panel bands that do not match. We are not inventing a 24th Avenue midpoint from them
- Pensacola, FLOne Fort Walton Beach shop and one Palm Coast shop publish Florida panel bands that do not match. We are not inventing a Main Street midpoint from them
- Philadelphia, PAOne Philly-area shop publishes FPE/Zinsco and upgrade bands; we do not invent a second midpoint
- Phoenix, AZ$2,500 to $3,500 is the published Phoenix 200-amp band from a panel specialist
- Pittsburgh, PAOne Pittsburgh shop and one Squirrel Hill shop publish panel bands that do not match. We are not inventing a Grant Street midpoint from them
- Port St. Lucie, FLOne Port St. Lucie shop and one Palm Beach County shop publish Florida panel bands that do not match. We are not inventing a Huffman Road midpoint from them
- Portland, MEOne Southern Maine shop publishes a residential panel-upgrade band. We are not inventing a harbor midpoint from it
- Portland, ORPublished Portland 2026 bands disagree; we do not invent a midpoint
- Providence, RIOne Providence shop publishes two panel bands that do not describe the same job
- Punta Gorda, FLOne Destin shop and one Palm Coast shop publish Florida panel bands that do not match. Neither is a Charlotte County number. We are not inventing a Harvey Street midpoint from them
- Raleigh-Durham, NCPowerMaster's Triangle table is the only published band here. We are not inventing a Triangle midpoint from it
- Rancho Cordova, CAGubruds and Peach both publish Rancho Cordova price ranges. They are for different jobs, and the ranges do not line up
- Rancho Cucamonga, CASPD prints a Rancho Cucamonga Federal Pacific band. The only other shop band we found that names Federal Pacific comes from Murrieta, about 45 miles south
- Redding, CABoth figures are Blake Electric's own quote ranges, from two pages of one Redding shop's site, not a Redding market range, and Power By Tim posts none. We are not inventing a Cypress Avenue midpoint from either line
- Reno, NVTwo Northern Nevada shops publish bands that do not match. We do not invent a Reno midpoint
- Roanoke, VACline's Roanoke band and a Hampton Roads band for Norfolk do not match, and only Cline wrote for this valley. We are not inventing a Church Avenue midpoint from them
- Rocklin, CAOld Town Electric, a Sacramento shop, quotes most Rocklin 200-amp jobs with the city permit included, and Under The Sun's Sacramento table comes in lower for the move to 200 amps. We are not inventing a Rocklin Road midpoint from either system
- Roseville, CABoth bands here are Sacramento-area figures, one from the listed shop's own table and one from Peach Electric, and they disagree. We are not inventing a Vernon Street midpoint from them
- Sacramento, CA$1,800 to $3,500 is the published Sacramento 100A-to-200A band on one 2026 contractor page
- Salem, OROne Salem shop and one Palm Coast shop publish FPE bands that do not match. We are not inventing a Church Street midpoint from them
- Salinas, CANeither Fisher nor 5 Star wrote a price for Salinas, and their bands, one for the Central Coast and one for San Luis Obispo County, do not match. We are not inventing an Alisal Street midpoint from them
- Salt Lake City, UTTwo Wasatch Front shops publish 200-amp bands that do not agree on the floor
- San Antonio, TXOne San Antonio shop publishes a panel-upgrade band and does not hide the spread
- San Diego, CAFrom $5,500 is the published North County 100A-to-200A floor on one contractor page
- San Francisco Bay / Marin, CAPublished residential ranges run from about $3,500 to well above $8,500
- San Luis Obispo, CA5 Star's county bands and MAG's single Santa Maria job do not match, and MAG's number comes from outside San Luis Obispo. We are not inventing a Palm Street midpoint from them
- Santa Cruz, CAOne Santa Cruz shop publishes three panel bands that do not describe one job. The listed shop does not print a dollar band. We do not invent a Monterey Bay midpoint
- Santa Maria, CAOne Santa Maria shop published a fixed price for a Federal Pacific swap plus a charger circuit. We do not invent a Central Coast midpoint
- Santa Rosa, CAOne Sonoma County shop publishes Santa Rosa bands that do not describe one job. We do not invent a midpoint
- Sarasota, FLTwo Sarasota shops publish bands that do not match. We do not invent a Gulf Coast midpoint
- Savannah, GAOne Savannah shop publishes service-upgrade bands that do not match. We are not inventing a Salt Creek midpoint from them
- Seattle, WAPublished Seattle 2026 bands disagree; we do not invent a midpoint
- Shreveport, LAOne Shreveport shop publishes a 100-amp to 200-amp band. We are not inventing a river midpoint from it
- Spartanburg, SCOne Upstate shop publishes two panel bands that do not match. We are not inventing a Duncan midpoint from them
- Spokane, WAOne Spokane shop publishes two upgrade bands that do not describe the same job
- Spring Hill, FLTaddeo Electric's Hernando and Pasco cost page prints $1,500 to $3,500 and up for standard upgrades and $3,500 to $6,000 and up for larger homes or 200-amp installations
- St. Augustine, FLBoth published bands were written for other Florida counties, Flagler and Marion, and they do not match. We are not inventing a King Street midpoint from them
- St. Louis, MOOne St. Louis shop publishes two FPE bands that do not describe the same job
- Stockton, CAOne Stockton shop publishes California panel bands that do not describe one job. We do not invent a San Joaquin midpoint
- Stuart, FLForward prints a Stuart range for a typical upgrade. Imperium prints a Federal Pacific replacement range on its Port St. Lucie page. They describe different jobs from different shops
- Tacoma, WAOne Pierce County shop publishes two panel bands that do not match. We do not invent a midpoint
- Tampa-St. Petersburg, FL$2,500 to $5,000 is what a Tampa shop prints for a 200-amp replacement when the meter base is sound
- Temple, TXOne Central Texas shop publishes a 200-amp band. We are not inventing a Bell County midpoint from it
- The Villages, FLOne Villages-area shop and one Ocala shop publish Central Florida panel bands that do not match. We are not inventing a Powell Road midpoint from them
- Thousand Oaks, CATwo Ventura County bands, Safeway's from Simi Valley and DCP's from Ventura, disagree, and neither was written for a Thousand Oaks house. We are not inventing a City Hall midpoint from them
- Tucson, AZTwo Tucson shops publish upgrade bands that do not agree on the floor
- Tulsa, OKOne Tulsa shop publishes two panel bands that do not match. We do not invent a midpoint
- Tuscaloosa, ALTwo Tuscaloosa shops publish West Alabama panel bands that do not match. We are not inventing a Gary Fitts Street midpoint from them
- Twin Cities, MNPublished Twin Cities figures disagree; we do not invent a midpoint
- Tyler, TXOne Temple shop and one Dallas shop publish Texas panel bands that do not match. We are not inventing a Ferguson Street midpoint from them
- Ventura, CATwo Ventura County pages publish panel bands that do not match. We are not inventing a Poli Street midpoint from them
- Washington DC / Northern Virginia, VATwo Northern Virginia shops publish bands that do not match. We do not invent a Beltway midpoint
- Waukesha, WIThe Pewaukee shop on this page and a northwest Wisconsin shop do not print the same panel band. We are not inventing a Delafield Street midpoint from them
- Wesley Chapel, FLPasco’s $45.00 pays for the permit, and the resolution gives no install price. A Wesley Chapel starting price and a Tampa Bay swap range come from two different shops
- West Palm Beach, FLTwo Palm Beach County shops publish 200-amp bands that do not match. We do not invent a coastal midpoint
- Wilmington, NCOne Naples shop and one Palm Coast shop publish Florida panel bands that do not match. We are not inventing a Government Center midpoint from them
- Winter Park, FLPalmer’s Orlando-headed page says $2,000 to $2,500. Spectrum’s Winter Park page says $1,800 to $3,500. Neither one is a city number
- Worcester, MAPublished Worcester bands disagree; we do not invent a midpoint