When you're facing the loss of a loved one, the last thing you want to do is make rushed decisions about funeral arrangements. Comparing funeral homes ahead of time—or even during a time of need—gives you control over costs, service quality, and how your loved one is honored. This checklist helps you evaluate your options systematically.
Get Price Lists in Writing
Funeral homes are required by law to provide itemized price lists, typically called the General Price List (GPL). Request these from every home you're considering—either in person, by phone, or online.
What to compare:
- Basic service fee ($1,500–$3,500 typically)
- Casket or cremation container costs ($500–$10,000+)
- Embalming and preparation ($300–$700)
- Viewing and funeral ceremony fees ($300–$1,000)
- Cremation services ($800–$3,000)
- Burial plot services and grave opening (if applicable)
- Transportation and vehicle use ($200–$500)
Don't assume the cheapest option is the best. Mid-range pricing often reflects better facilities and staff experience.
Verify Licensing and Credentials
Check that the funeral home holds an active state license. Most states require funeral directors to be licensed and funeral homes to be registered with the state Board of Funeral Service or equivalent agency. You can typically verify this online through your state's regulatory board.
Ask whether the funeral home is part of a larger corporation or independently owned. Some families prefer local, family-run operations, while others appreciate the resources and standardization of national chains.
Assess Physical Facilities
Visit the funeral home if possible, even if you're planning ahead. Look for:
- Clean, well-maintained viewing rooms with proper seating and climate control
- Adequate parking for guests
- Professional, compassionate staff who answer questions directly
- Modern equipment for live-streaming services, if that matters to your family
- A quiet arrangement office where you can discuss sensitive details
The physical space tells you a lot about how the business operates and respects families during vulnerable moments.
Understand Service Options and Flexibility
Different funeral homes offer different service packages. Some specialize in traditional burials, others focus on cremation, and many offer green burial or direct cremation options.
Ask whether they allow outside vendors (florists, caterers, musicians) or require you to use their preferred list. Ask if you can bring your own casket or urn. Some homes charge substantial markups if you source items elsewhere; others are flexible.
Confirm whether they offer pre-planning consultations and whether you can lock in current prices for future services.
Check References and Online Reviews
Read Google reviews, the Better Business Bureau (BBB), and funeral home comparison sites. Look for patterns—not just isolated complaints, which are inevitable, but recurring issues around pricing, communication, or respect.
Call the funeral home's references directly if they provide them. Ask about their experience with similar service needs (traditional funeral, cremation, graveside only, etc.).
Ask About Advance Planning Options
Many families use funeral homes to pre-plan and pre-fund arrangements. If this interests you:
- Ask about prepaid plans and whether prices are locked in
- Understand what happens if you move to another state
- Confirm whether the funeral home is a member of the Funeral Consumers Alliance or similar organizations
- Get all plan terms in writing
Compare Using a Single Resource
Rather than juggling phone calls and scattered information, platforms like Mercoly let you compare multiple funeral homes and mortuaries side-by-side, with verified pricing, services, and customer reviews—all in one place.
Create Your Personal Checklist
Before deciding, rank priorities with your family. Is cost the primary concern? Do you need a specific religious accommodation? Do you prefer a particular location or staff member you've spoken with? Weight your decision accordingly.
Once you've chosen a funeral home, confirm all arrangements in writing and keep a copy with your important documents or with a trusted family member.
Frequently Asked Questions
Q: Can I use a funeral home for the service but cremation elsewhere? Some funeral homes allow this, but many require you to use their cremation services or charge significant coordination fees. Always ask upfront to avoid surprises.
Q: What's the difference between a funeral home and a crematory? A funeral home provides arrangement services, facilities, and staff; a crematory is the facility where cremation actually happens. Many funeral homes operate their own crematory, while others contract with third-party crematories.
Q: Do I have to purchase a casket or urn from the funeral home? No—federal regulations allow you to bring caskets and urns from outside vendors. However, confirm the funeral home's policy and whether they'll charge a handling fee.
Start your comparison today to ensure your family receives respectful, affordable funeral services when you need them most.