Mull Funeral Home Inc
113 N Virginia St, Waterloo, NY, 13165
Questions to Ask When You Call
You're not expected to know this. These questions help you compare and avoid surprises.
“Can I see your General Price List?”
Federal law (FTC Funeral Rule) requires them to give you itemized pricing. You have every right to ask.
“Do you accept insurance assignment?”
This means they bill the insurance company directly. You don't pay thousands upfront and wait to be reimbursed.
“What's included vs. what's extra?”
Packages may not include everything. Ask about the casket, embalming, transportation, facility fees, and death certificate copies.
Know Your Rights
The FTC Funeral Rule protects you. Every funeral home must provide an itemized General Price List if you ask — in person or over the phone. You are never required to buy a package and can choose services individually. You also have the right to use a casket purchased elsewhere.
Payment & Financial Options
Average in New York
$3,368 – $10,595
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $3,368–$10,595. If your loved one had a life insurance policy, the benefit can cover these costs — and we'll file the claim and handle the carrier for you, even without the policy number. $0 upfront, and nothing if it doesn't pay out.
Services Offered
Business Hours
What Families Say
“Mull funeral home went above and beyond for us in our time of need and took such great care of our loved one. They explained everything we needed to know and made sure we were well informed every step of the way. So myself and my Fiance owe them a Very Big Thank You!”
— Jessica S
“Bill Mull is an amazing man. I want to thank him and his family and Elle for making my family feel so comfortable for my wife's service. He made it easier to grieve and for that I'm forever grateful for. Bill is also an outstanding guy. Truly just a pleasure to work with. Thankyou Bill, my wife would have loved her service”
— Wayne Woodard
“The highest compliment I could give is that my brother would have been so pleased! Bill Mull and his family did an incredible job. He took care of every detail and kept us all fully informed of every step of the process. He seemed to be available to us 24/7 and always with a reassuring smile. There aren't enough stars on this review to indicate exactly how much I recommend Mull Funeral Home.”
— Cyndi Dowling
We can help with what comes next.
We file the life insurance claim and recover unclaimed property — the payout can help cover costs like these. $0 upfront.
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