Praise be to Allah s.w.t
If the co-owner is your spouse, joint tenancy is the better option to safeguard the interest of your family in the event of your passing. It is our religious responsibility to ensure that our dependents are financially stable and not to be put in a predicament of financial distress and uncertainty after our passing.
There are however other possible scenarios that may cause for tenancy-in-common contract to be more just and appropriate opinion. Owners must responsibly deliberate and decide on the best choice possible according to their personal circumstances.
And Allah knows best