Warner Funeral Homes & Crematory
225 W 3rd St, Spencer, IA, 51301
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 Iowa
$2,246 – $7,063
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,246–$7,063. 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
What Families Say
“I’d like to thank you, especially Jeff, for the expert way in which Fritz's funeral was handled. All of us felt the chapel and service could not have honored my husband and the kids’ dad more. Sincerely, Joanne”
— Joanne Groat
“We could not have been happier with how Warner Funeral Home helped us through a very difficult time. Casey was so kind and caring and took the time to take us through the entire process. We appreciated their professional and compassionate manner.”
— Cindy Pietsch
“So thankful for the kind, informative and professional help. Both Nate and Shelly were available to answer every question. I so appreciate how they took care of my Mom. Forever grateful, Tammy”
— Tammy Berger
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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