What's your current power usage like - are you maxing out breakers or tripping them regularly?
100 amps was fine for 70s homes because nobody had much going on electrically. Now you've got AC units, electric ranges, water heaters, multiple outlets everywhere, and you want to add kitchen appliances plus office equipment. The electrician's probably right to flag it. Signs you genuinely need an upgrade: breakers tripping when you run multiple appliances, flickering lights when the AC kicks in, or if the panel's already near capacity and you're adding significant new circuits. A kitchen remodel plus home office could easily need 30-50 amps combined depending on what you're putting in. You can sometimes squeeze by with a bigger breaker or rewiring, but 100 amps gets tight fast in modern homes.
For cost, expect anywhere from $3,000 to $6,000+ depending on where you live and how messy your setup is. It's not just swapping the panel - the electrician needs to check your service entrance, whether the utility lines support 200 amps (sometimes they don't without utility upgrades), and how much rewiring's needed if your existing panel's cramped. Labor's usually the bulk of it. Get quotes from a couple licensed electricians and ask specifically what's included. Some places require permits and inspections, which adds time but ensures it's done right. Given you're planning major renovations anyway, doing the panel upgrade now beats discovering you need it mid-project.