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The one battery that really needs a main fuse is the engine starting battery. I have witnessed two boat burn up when the starter solenoid stuck and the battery cable caught on fire. A average starter can suck over a thousand amps out of the battery for the initial rotation of the engine. Since this only lasts for a few seconds it is not a problem with wiring or the battery. But if the solenoid sticks then the very high amperage continues and the cable catches on fire. I use a 350 amp buss bar fuse on the battery feed to the engine starter for a 6-cylinder Perkins. It has not blown so far as the engine starts in a few seconds. Too short a time for any heat to build up in the cable and fuse.
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