You should find a will and trust lawyer to answer your questions but here is a brief overiew. In California, unless it is specified on the title that the house held in joint tenancy form, it is community property. The hu*****and can disinherit the wife intentionally with regards to own his half of the community property. Without a clear finding a joint tenancy, the wife will only get half at the death of the hu*****and. A joint tenancy will take precedent of a will.
Bank accounts are normally community property, regardless whose name they have. Again, unless the accounts are held in joint tenancy form, they are community property.