“My husband and I have joint ownership of our house. To insure that if something happens to either of us (sickness, accident, death…) the other could sell the house or do whatever with it, do we need to set up a trust or would a will be enough?”
The precise answer depends on the laws of your state. However, a will only takes effect after the person dies; it would have no effect at all in the event of sickness or accident. You should discuss your concerns with an estate planning attorney, who may be able to draft a power of attorney, a trust, or another document which will accomplish your goals.