Home ownership (possibe)

Hi all

Am looking into a first home purchase. More lurking through trademe, one roof etc. Want to do a bit of homework before going to an open home.

Just wondering, is the water bill paid through rates or are those 2 seperate bills? Is it just land & water rates?

Apart from mortgage, rates, power & internet should i be mindful of other expenses?

Ive heard about needing house insurance, do i also need contents insurance or any other insurance for the "home"?

Would a builders report cost up front or could it be added to the sale of house? How accurate are those reports? Is this the same with a lawyer, broker & agent?

Needing financial clarity before fully diving in.

Thanks all will try read comments during my lunch break

Thanks all for reading & responding. I will try read