Adding Photo to Another

[defaultw2d15cxqlm3w]

I'm trying to insert a photo into another photo and have it look like its on top of the other, but when I insert the second photo it inserts as a background with its own background. How do I get the second inserted photo to just sit over the other without its own background. 

[JJMack]

What you wrote does not make sense to me. There can be only one Background layer in a  photoshop document.  You insert images either using Place, Drag and  Drop, or  Paste.  The inserted image will be a layer above the documents background layer. Photoshop's background is the a special bottom layer that does not support transparency it is always canvas size.  An Inserted images  will be a Normal layer or Smart Object layer above  Photoshop Background layer if the document has a Background layer. A document is not required to have a background layer.  

If you insert a Image the has a transparent background ie a PNG, a PSD, a Gif etc. They are file type that  supports transparency a  Transparent background is possible,  If  an image has a transparent background, when you insert the image into an others image it will have a transparent background. A raster Imags layer may not have any transparency.

Jpeg file format does not support transparency.  Jpeg image do not have any transparency. Subject matter always have a  background color.