You may only need a larger panel, not a new service, and that will save you money.
This is caused by the sun drying out wire jacket and allows water to enter meter or panel that over time will rust them out.
Meter base, main, or circuit breaker going bad from age or moisture damage. There also could be a loose wire or defective circuit breaker.
Service wire or meter ripped from the house.
This is caused by water penetration and if addressed early enough can be minor.
Any time you add footage or extra draw to a service you may have to increase amperes.
Service change will not help this. Individual circuit are over loaded and need to be divided.
Code requires 2 or more tenants in a structure. An owner's panel has to power common circuits.