A house doesn't use 200 amps at a time, unless you're growing a lot of "hippie hay." OPs question probably relates to the NEMA connections and their max ratings. It's ok to oversize these.
Sizing a generator means sizing the loads you want to use, accounting for inrush current. A kill-a-watt meter is good for the 120V stuff; assume that 240 takes "a lot". Read the name plates, too. My fridge supposedly needs 7.1 amps, which would be 887 watts, but the kill-a-watt shows it really only uses 125 or so, unless the compressor is starting up or it's defrosting.
I've got my house so it will run all essentials off a single 120v/15a plug via a 6-breaker "sidecar" transfer switch. I took the extension cord, looped it around into an unincluded circuit, flipped the breakers to generator, and used the kill-a-watt to see what my essential loads were. One should size the generator to be about double this, so it's running at 50% load. This accounts for startup loads and provides efficiency.