[Financially Motivated]

household, What bills do I still have to pay yearly? I tried looking up clear answers but I getting mixed ones. People on here are saying a person who owns a house after paying off the mortgage only has to pay for -

Insurance fee
Maintenance Tax
Property Tax

Some other people are saying that a owner would just have to worry about the yearly property fee.

Now, I understand the yearly Insurance fee is important but is it a good idea to build a fense around your property to prevent someone from injuring on your property so you wouldn't have to deal with a person from sewing you?

Also, what is the maintenace tax all about? is this not madatory like the yearly insurance fee?
I'm located in Milwaukee Wisconsin