Utilities depend on your consumption and the size of the apartment. For example, if you are renting a 1-bedroom apartment of 50m2 and do a load of laundry every week, you can expect to pay around 80 € every two months for electricity.
It refers to home insurance that covers water damage, fire, and other hazards (depending on the coverage). This insurance is mandatory for all tenants. You must renew it every year or your lease could be terminated.
When the walkthrough (état-des-lieux) goes well, the owner has one month (after move-out and key return) to deliver the security deposit.
If there are any issues during the walkthrough beyond normal wear and tear, part of the security deposit will be held. The remainder (after deductions) will be returned to the tenant within two months.