I am making a budget for 2025, when we take possession of our new home, and I am wondering if I am missing any key details? Should we consider supplementary home insurance?

Mortgage Payment

Property taxes {Budgeted as monthly payment}

Fire Insurance {Budgeted as monthly payment}

Gas

Water

Electric

Internet

Repair Fund {2man a month}

2 working adults, on basic group insurance. We also have term-life insurance.