[refurb]

My understanding is that unless you have a lot of assets, it's not worth setting up a trust as the upkeep is costly.

[oldManRiver]

If your assets will be over 5.4 million (the current exempt amount from estate taxes) for a couple you should have a trust, if you're no where near that, then yes, a trust for your home alone is pointless. The business write-off part still stands.