No. If you and your spouse bought your home together, she automatically gets ownership of it upon your death.
But what if you both die together? The home that you worked so hard for might be sold and the proceeds controlled by a stranger until your children reach the age of eighteen (18), at which time they could spend the proceeds as they wish. A person’s major asset is usually the home.
With inflation rapidly driving up home values and life insurance covering the mortgage, many homeowners have a much larger estate than they may think.