Frank I know you and electrics don't get along. Might be worth paying an electrician for an hour or two and have him pull the cover to make sure that the right fuse are being used for each circuit, also trace them and see what's on each and get the box labeled with what the fuses support.
If you want to check yourself, pull the cover and look at the wire sizes. 12 gauge shouldn't have anything larger than a 20 amp and 14 gauge shouldn't have anything larger than a 15 amp. Come to think of it, it's possible the house has aluminum wiring, so those fuses may need to be down one size for each.
I agree with the insurance, smoke detector, and c/o 2 detector advice.
To a small child, the perfect granddad is unafraid of big dogs and fierce storms but absolutely terrified of the word “boo.” – Robert Brault