Re: Circuit Breaker verses Fuses
I wonder if the insurance companies look at it from a different perspective, right or wrong. I would agree that fuses are the safer bet but in the hands of the incompetent (not a negative term) DIY homeowner, circuit breakers are a safer bet.
My home is a prime example. When I bought it I discovered that nearly all of the 15A fuses had been replaced with 30A fuses. Probably because they were blowing them quite often since the home only had a 60A service supplying the system which had grown to include electric dryer, water heater, well pump, and range. Incidentally, the main disconnect fuses were also replaced with 100A rated. Fortunately, the wires went overhead in open air. With circuit breakers, this same homeowner would probably just reset them rather than be forced to replace them, which makes it easy to upsize and eliminate the nuisance tripping. For an inexperienced homeowner, replacing a fuse is much less intimidating and easier than replacing a circuit breaker. It is amazing the house hadn't burned down long ago.
Bob