Yes, you absolutely need a will even with joint property ownership. While jointly owned property typically passes to the surviving spouse automatically, your will covers everything else—personal belongings, individual accounts, and what happens if you both pass away simultaneously. Your will also designates guardians for minor children and names an executor to handle your affairs. Without a will, New York state law determines these crucial decisions, which may not align with your wishes for your family. Valley Stream families often have assets beyond their home—retirement accounts, life insurance, vehicles, and personal property. Your will ensures everything is distributed according to your wishes, not state law defaults.