I don't know what the gas/electric rates are in your area, but in NWMO, propane is cheaper then electricity, and if she isn't in a rural area, I would think natural gas would be available and cheaper than propane. Some utility companies will give you a reduced rate if you are using electricity for heat, but the amount and time the discount applies varies widely. As far as a heat pump goes, I would think the outside temperature would be low enough to make the extra cost a bad investment, unless you are talking a ground source heat pump, which is expensive to install. Standard heat pumps loose efficiency rapidly below 35 degrees or so, and are not worth operating at all below 30 degrees. I would suggest putting a pen to paper and see what works out best in her particular situation, and don't forget to calculate how long it will take to recoup the costs of the service panel upgrade and extra heat pump cost. If this contractor won't listen to your concerns, find another one with references.
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Today's Featured Article - 12-Volt Conversions for 4-Cylinder Ford 2000 & 4000 Tractors - by Tommy Duvall. After two summers of having to park my old 1964 model 4000 gas 4 cyl. on a hill just in case the 6 volt system, for whatever reason, would not crank her, I decided to try the 12 volt conversion. After some research of convert or not, I decided to go ahead, the main reason being that this tractor was a working tractor, not a show tractor (yet). I did keep everything I replaced for the day I do want to restore her to showroom condition.
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