Yes all annual costs.
Re furnishings, I think it varies, which is why you need to check carefully. Most of the ones I was shown were unfurnished. If you are shown round by an agent, make sure that you note what he says. He may deny it later!
My company offered me either the cash to bring my furniture out, or an allowance to get furniture locally. In my case this was more than enough to get the villa comfortably furnished. At the end of my contract, I was able to bring much of it back(another allowance), including electrical appliances, which were compatible with UK voltage etc. I am still using the fridge after 17 years!