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Severals ways to hold title to your home:

1. Sole Ownership - No other names but yours.
2. Joint Tenancy with the right of survivorship. If one passes away, the other gets it without the property passing through probate. (The  drawback is if the surviving spouse has a lot of debt, this may not be the best way). The survivor files an addifidavit saying the other titleholder is dead, attached the death certificate and gets the property.
3. Tenancy in common. If one passes away, the property is distributed according to the deceased's will or state's law (if will is unavailable).