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I can think of exactly one justification for 400 amps residential service: a tankless electric water heater, which pulls 150 amps all by itself. In general, if you want 400a service in a home you have to justify it to the electric company--they want to be sure you aren't planning to take up smelting aluminum as your new hobby.

If you're going that way, most guys install two 200a load centers with a Siemens 400a meter base. The Siemens meter base has a 400a main breaker in it.

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Q: What type of disconnect is needed for a 400 amp residential service?
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