On sailboat AUX engines, yes both starter and house get fused. There simply is no excuse not to. On large diesels in 40+ foot power boats often no but the starter wire gets encased in conduit to protect it and fastened about every 6".
The boat I am heading out to now, to replace the burned up alternator, a go fast race boat, has three Odyssey TPPL AGM batteries, capable of delivering over 15,000 amps of short circuit current into a dead short. With that kind of current the wire jacket vaporizes in fractions of a second and the fire is quick to follow. Not fusing them is simply foolish when you look at the cost of the boat and insurance deductible....
We lost one of our junior race committee boats last summer to a dead short. A few minutes before the fire there were four kids under 8 on-board. Our entire yacht club fleet now has proper battery fuses..
Imagine if this had not caught fire shortly before the kids stepped onto the dock..

Even the single group 27 battery in a 15' Boston Whaler has waaaaaaay more than enough current to fry a boat, as our club quickly learned......
Many of us in the ABYC fight very hard to get the wording around the "exemption" changed and in the next E-11 you will see
some changes.. Ed Sherman the education director and Nigel Calder among others are in full agreement that a boat that "can" be fused should be fused. Unless you have some HUGE Cat's, Mann's Detroit's, Cummins etc. then you can fuse your banks, both of them...
I will continue my rant for battery fuses until every boat has them!

If you can afford to own a sail boat you can afford to FUSE the battery banks..