Plug-In Generator vs Whole Home Generator: Why Choose an Interlok Kit for Simplicity and Reliability
- CapitalCurrent

- Jan 24
- 5 min read
Updated: 7 days ago
Power outages can disrupt daily life, damage sensitive electronics, and create safety concerns. Choosing the right backup power solution is critical for homeowners who want peace of mind during blackouts. Two popular options are plug-in generators with an Interlok kit added to the panel box and whole home generators with automatic transfer switches. While both provide backup power, they differ significantly in installation, cost, reliability, and maintenance.
This post explores why many homeowners prefer the Interlok kit option for its simplicity and reliability. We will compare the two systems, focusing on installation ease, cost-effectiveness, component complexity, and overall dependability.

Understanding the Two Backup Power Options
Before diving into the comparison, it helps to understand what each system involves.
Plug-In Generator with Interlok Kit
A plug-in generator is a portable or standby generator that connects to your home’s electrical panel through an Interlok kit. The Interlok kit is a mechanical interlock device installed inside the panel box. It prevents the main breaker and the generator breaker from being on at the same time, ensuring safe power transfer without backfeeding into the grid.
This setup allows you to power selected circuits in your home by manually switching the breakers. The generator plugs into an external outlet and the Interlok kit controls power flow and prevents back feeding the utility.
Whole Home Generator with Automatic Transfer Switch
A whole home generator is a permanently installed unit, often powered by natural gas or propane. It connects directly to your home’s electrical system through an automatic transfer switch (ATS). When the utility power fails, the ATS detects the outage and automatically switches the power source to the generator, restoring electricity to the entire home without manual intervention.
Simplicity and Cost-Effectiveness of Installation and Replacement
Installation Complexity
Installing a plug-in generator with an Interlok kit is straightforward. The Interlok kit fits inside your existing electrical panel, and the generator connects via a dedicated inlet or outlet. This setup requires minimal changes to your home’s wiring and does not need a separate transfer switch or complex automation.
By contrast, whole home generators require professional installation of the generator unit, fuel lines, and an automatic transfer switch. This process often involves more involved permits, inspections, and significant electrical and plumbing work.
Cost Comparison
The initial cost of a plug-in generator with an Interlok kit is significantly lower. The generator itself is usually less expensive, and the Interlok kit is a simple mechanical device that adds minimal cost. Even though this requires a licensed professional to install and configure, Installation fees are much lower due to the simpler setup.
Whole home generators come with a higher price tag. The generator unit, ATS, fuel system, and professional installation can add up to several times the cost of a plug-in generator setup.
Replacement and Maintenance
If the generator fails or needs replacement, a plug-in generator can be swapped out easily without rewiring or major panel changes. The Interlok kit remains in place, simplifying the process.
Whole home generators require more extensive work to replace or repair. The ATS and fuel connections add complexity, increasing downtime and service costs.
Fewer Components Mean Increased Reliability
Mechanical Simplicity of the Interlok Kit
Interlok Kit Overview
The Interlok kit is a purely mechanical device designed to enhance safety in electrical systems. It features no electronics or moving parts that require power, which contributes to its reliability and ease of maintenance. By eliminating the possibility of backfeeding, the Interlok kit significantly enhances safety for both the electrical system and personnel. This feature is crucial in preventing hazardous situations that can arise from improper connections between generators and utility power sources. Also, with no electronic components, the Interlok kit requires less upkeep over time.
Automatic Transfer Switch Complexity
Automatic transfer switches rely on sensors, relays, and electronics to detect outages and switch power sources. These components can fail or malfunction, especially in harsh weather or power surge conditions. The ATS requires regular testing and maintenance to ensure reliability.
Generator Reliability
Portable or standby plug-in generators are often easier to maintain and service. They can be stored indoors when not in use, protecting them from weather damage. Whole home generators are exposed to the elements and require regular fuel checks and servicing.
Why Choose the Interlok Option?
Safety and Control
The Interlok kit provides a clear, manual method to control power transfer. Homeowners know exactly when the generator is powering circuits, reducing confusion and risk. The mechanical interlock ensures safety without relying on electronics.
Flexibility
With an Interlok kit, you can choose which circuits to power during an outage. This flexibility allows you to prioritize essential appliances without running the entire home generator.
Cost Savings
Lower upfront costs and easier maintenance make the Interlok option attractive for budget-conscious homeowners. It provides reliable backup power without the premium price of whole home systems.
Ease of Use
While whole home generators offer automatic switching, many homeowners prefer the simplicity of manual control. The Interlok kit’s design makes switching safe and straightforward without complicated electronics.
Practical Example: A Typical Home Installation
Consider a family living in a suburban home prone to occasional power outages. They want backup power for essential appliances like the refrigerator, sump pump, and a few lights.
Plug-In Generator with Interlok Kit: The family installs an Interlok kit in their existing panel and purchases a 11,000-watt portable generator. During an outage, they plug the generator into the inlet, switch the breakers manually, and power their essential circuits. The installation with generator costs is under $4,000, and the generator can be used for camping or other needs.
Whole Home Generator with ATS: The family installs a 20kW natural gas generator with an automatic transfer switch. The installation costs with generator and transfer switch can be over $15,000, including permits and fuel line setup. The system powers the entire home automatically but requires annual servicing and fuel monitoring.
In this case, the Interlok kit option provides a cost-effective, reliable solution tailored to their needs without the complexity of a whole home system. Though we do recommend testing your generator on a monthly basis to know it is ready for the next outage.
Summary
Choosing between a plug-in generator with an Interlok kit and a whole home generator with an automatic transfer switch depends on your budget, power needs, and preference for simplicity. The Interlok kit offers:
Easier and less expensive installation
Fewer components that can fail
Manual control for safety and flexibility
Simple replacement and maintenance
For homeowners seeking a reliable, cost-effective backup power solution without the complexity of whole home systems, the Interlok kit is a smart choice. It delivers peace of mind with straightforward operation and proven mechanical safety.
If you want to explore backup power options, consider your power needs, budget, and how much control you want during outages. The Interlok kit provides a practical balance of safety, reliability, and affordability that fits many homes.


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