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Our breaker box and main box are both on the side of the house, outside. I was completely unsurprised because thats how my parents house was growing up. My Father in Law was shocked they left it outside instead of in the garage (which is on the other side of the house, this might be the reason).

Not sure how much good a padlock is going to do for you if the bad guy already has tree loppers that thing would make short work of most cheap padlocks. I guess if I really want it secure I have to buy the super heavy duty bolt-cutter proof locks and hope I don't lose the keys to it or that my wife can find the keys if I'm not home.