Sidenote: I already own half a house. The other half is owned by my sister. It was gifted to us by our grandfather. Cheaper than inheriting after he dies.
We have mandatory fire insurance. Property taxes. Then there's the insurance you have to take on the loan (in case you expire before having paid off the loan so that the other party doesn't have to also pay off your half of it).
The owner of our appartment has been steadily increasing our rent beyond what is worth. He once made us pay extra for the maintenance fees of the building which, at the time, we didn't even have to pay for. That was all on him. When our neighbor found out he got really mad with the owner of the place and ever since then, the owner made sure never to dock us for those costs again.