There are subtle differences between different countries on how domestic fuses are handled and installed. In Sweden the situation is that the "house" fuses are there to protect against fires from the wires. In contrast to eg UK in Sweden the appliance plugs never has fuses.
On the intake to a an apartment or a house you will find fuses controlled by the utility company setting how many amperes you are allowed to draw from the incoming electricity source. The values of the fuses, say 16A, may be connected to the cost of your contract.
Inside the house or apartment there is a distribution central with fuses and from the central position wires goes out in a star to the different connections. (This is different from what you find in eg UK, where the distribution tends to be a ring distribution). Each wire from the central is protected by a fuse, say 10A. The maximum fuse value allowed is regulated depending on the size of the wires going from the central to the outlet. A 1.5 mm2 wire can be protected by a maximum fuse of 10A, a 2.5 mm2 wire with a maximum fuse o 16A and so on. Here, clearly the fuse protects the wire.
Additionally a lot of installations contains ground fault circuit interrupters. These are there to protect humans against electrical shocks when faults when a fault in an appliance may induce dangerous current. Typically they trip on around 10mA ground fault.
Some appliances may contains one or more fuses, some not. The fuses can be of different types but generally are to protect either parts of the appliance from cascading expensive faults or protecting for the appliance creating dangers such as fires. I have seen three different kinds of fuses used in appliances: tripping when the appliances draws too much amperes (protects from cascading errors as well as some fire hazards), tripping when the appliance gets too hot (protects from fire hazards), tripping when input voltage is too high (say from a lightning hitting a power line, protecs the appliance from over voltage). In each case the fuse may one-time or resettable, sometimes resetting itself after a time or when the external conditions are back to normal.