If all my property is in joint tenancy and I have no minor children, do I still need a will?

No

If all checking and savings account, if all houses, cars and other items are owned jointly, not as much.

Also all insurance policies, car and home have to be in joint names

Also all insurance policies, Insurance policies just need to list the other party as beneficiary.

I was referring to car and house insurance, once the other person becomes the owner, if they are not under the other policy they have to get a new one, and the refund premium goes to the "estate of"

Believe me, I just went though this, I though we had it all fixed so there was no "estate funds" when my mom died.

We missed the car insurance refund, and a 50 dollar deposit into a checking account that Regions Bank required for a person to have a CD in their bank.

And I believe we have a issue with refund check from the medicare suppliment that was cancelled upon her death.

So there is almost no way not to end up with at least some money in an "estate account"

Now the problem is, do you do probate for 400 or 500 dollars. When the cost of probate may actually cost more than the money.