Ongoing operating ancillary costs single-family house

I was just about to ask about a photovoltaic system or solar thermal - then it will be cheaper.

without storage. Without the photovoltaic system, the electricity costs would be around €1400, so another €100 more per month.

without storage.
Without the photovoltaic system, the electricity costs would be around €1400, so about €100 more per month.

Wow, I now pay €33 per month in my apartment (70m²). If I move to a 110m² house, I had actually hoped to manage with €60. Realistic (gas boiler, no photovoltaic)??

The electricity costs include heating (heat pump and ventilation system) The pure household electricity would be about 50-60€/month (if there were no photovoltaic system)

With us, the electricity costs also increased beyond the heat pump and controlled residential ventilation. Some electricity costs remain the same; if you cooked before, you still do. But, for example, the electricity costs of the gas boiler, which were previously included in the additional costs, you then pay yourself. Likewise, items like outdoor lighting, garden pumps, and so on. 60-70 should be enough though.

200€ residential building insurance
90€ household insurance

Am I the only one who thinks the insurances for a house are somewhat cheap?