“By the way. The Canadian electrical code calls for a 60 amp main breaker if the house has less then 861 sq ft. The insurance co is out of line when they demand 100 amp for these smaller hoses.”
You made a blanket statement as if it was the only option/requirement for a home of 80 sq meters (861 sq ft) or less, excluding basment area. You then run down insurance companies for asking for a larger entrance when they may be (1) correct in that the load calculation requires >60 amps or (2) they are from experience (loss statistics) requiring the 100 amp service as folks keep adding to the existing small panel.
From ESA in Ontario: “It is recommended that the installed service be large enough to accommodate the calculated load plus have additional capacity for future electrical needs.”
Anyways, your blanket statement is misleading, especially to newbies and others not familiar with the CEC (are you?) and calculation of demand factors/loads. They may park that incorrect statement of “fact” in their minds (as it was given out by a CMI) and incorrectly inform someone later.
There are 2 options but firstly section (a), a load calculation, must be done and then choose!!! An experienced, current electrician could have a 5 minute look at the place and give a correct answer but what about the majority of those on the boards?
Do you still believe that the small all-electric home I modeled should be served by a 60 amp entrance because it says so in 1(b) of section 8-200??