last night I was thinking about this and came across this company
Linear BiPolar Hall Effect Current Sensor +/- 80 Amps
I'm thinking about getting enough to measure my hot water heater, dryer, stove/oven, and possibly some of the larger ones to measure my heat pump/electric furnace.
They aren't as easy/safe to install as the clamp on ones but I had no issue turning the breaker off and slipping the wire through these. Whole house monitoring I'd use a clamp on but my utility is moving to smart meters next year and will provide some way of getting that data in real time I'm told, do that's not on my list of things to setup.