Yes, generally you can use a lug center (subpanel without a main breaker) in your house fed from a main panel in your garage, as long as the garage main panel provides adequate overcurrent protection for the subpanel feeder wires and the subpanel itself.

Here's a breakdown of why and what you need to consider: Subpanel as an Extension

A lug center subpanel is essentially an extension of the main panel. It's a distribution point for circuits within your house. Because of this, it does not need a main breaker, and can often be a lower cost option.

Overcurrent Protection is Key

The crucial thing is that the feeder wires running from the garage's main panel to the house's subpanel are properly protected. This means:

Feeder Wire Ampacity

The wire gauge of the feeder wires must be rated to handle the current of the breaker in the garage. For example, if the breaker in the garage feeding the subpanel is a 60A breaker, you need wiring that is rated to carry at least 60A. Consult an ampacity chart based on the wire type (e.g., THHN, NM-B) and installation method to determine the appropriate wire gauge.

Breaker Size

The breaker in the garage that feeds the subpanel must be sized appropriately for the smallest of: The ampacity of the feeder wires. The ampacity rating of the subpanel itself.

Sizing the Breaker

The breaker in the garage is sized to protect the wiring from overcurrent. It protects the conductors against damage if too much current flows through them. This protects from fires, electrical failure, etc.

Proper Grounding and Bonding

Very important!

Grounding Electrode System

The garage's main panel must have a proper grounding electrode system (ground rod, water pipe bond, etc.).

Separate Neutral and Ground

In the house subpanel, the neutral and ground wires must be kept separate. They should not be bonded together in the subpanel. The neutral and ground are only bonded together at the main panel (in the garage in this case).

Local Codes

Always check with your local electrical codes and a qualified electrician. Your local codes may have specific requirements that must be met. Code requirements can vary widely by locality.

Example

Let's say you want to install a 60A subpanel in your house.1. You run appropriately sized wires (e.g., 6 AWG THHN copper, check ampacity charts) from the garage to the house.
2. You install a 60A breaker in the garage's main panel to feed the subpanel.3. You connect the wires in the garage to the 60A breaker and to the load-side lugs of the garage's main.
4. You connect the wires in the house to the lugs of the subpanel. Separate the neutrals and grounds in the subpanel.

Important Considerations and Warnings



Professional Installation

Electrical work can be dangerous. It is highly recommended that you hire a qualified and licensed electrician to perform this work. They can ensure that the installation is safe, meets all applicable codes, and is properly inspected.

Permits

Many jurisdictions require permits for electrical work. Obtain the necessary permits before starting any work.

Future Expansion

Consider your future electrical needs. You might want to install a larger subpanel than you currently need, as long as the overcurrent protection is correct.

Voltage Drop

Long wire runs can result in voltage drop, which can affect the performance of electrical appliances. Calculate voltage drop to ensure that it is within acceptable limits.

Emergency Shutoff

Consider an emergency shutoff switch, perhaps near the subpanel in the house, that can cut power to the subpanel in case of emergency. This is not strictly required by code in many areas, but can be a worthwhile safety precaution.In summary, a lug center subpanel in your house, fed from a main panel in your garage, is generally permissible, but it critically depends on proper overcurrent protection provided by the breaker in the garage, correctly sized feeder wires, proper grounding and bonding, and compliance with local electrical codes.

Always consult with a qualified electrician. Flag for review