You can't generalize it as "houses don't include water and apartments do". It's different depending on how the landlord has set it up.
Also, if you asked the landlord about hot water, he might think of the actual hot water heater, which should be already in the house. You don't differentiate hot vs cold water when you pay for it - the difference comes in the energy used to heat the water, which is a separate bill.
So, the question "is water included" isn't a stupid question at all, since it depends on the landlord, but when you add in "hot water, for example" it sounds weird and doesn't really make much sense.
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