In article , wrote:

Refrigerator is 120v and requires a separate circuit (NEC).
Oil furnace is 120v and requires a separate circuit (NEC).
Well is either 120v or 240v and requires a separate circuit (NEC).
Water heater is 240v and requires a separate circuit (NEC).
Sump pump is 120v and I think requires a separate circuit.

AFAIK the NEC does not require separate circuits in *any* of those cases. Do
you have a Code citation for that?

In any event... the subject was how many circuits do you need to be able to
adequately power your home from a generator, in an emergency - not how many
circuits are required by Code during normal operation.

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Regards,
Doug Miller (alphageek at milmac dot com)

Nobody ever left footprints in the sands of time by sitting on his butt.
And who wants to leave buttprints in the sands of time?