Laird Funeral Home
310 S State St, Elgin, IL, 60123
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.
“Do you offer payment plans?”
Many funeral homes allow you to spread the cost over time. Ask about down payments, terms, and financing options.
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 Illinois
$2,620 – $8,240
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,620–$8,240. 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
“Good morning, This is probably my second time using Laird Funeral Home. The first time was my father Earl McNamara Sr. and the second time was one week ago with my wife, Barbara McNamara. I want to thank everyone at Laird funeral home they were very considerate, very professional. The place was very beautiful and they did everything and anything that we requested. I want to thank the owner Rob. For running a very nice business and easy to deal with no offense I hope I don’t have to deal with you guys again because if I do, that means it’ll will be my funeral.”
— Tom McNamara
“Just wanted to thank the Laird Funeral Home for the reliable and compassionate care of our family after the loss of my twin sister. We have used their services many times and have never been disappointed. Blessings to Rob and all at Lairds in Elgin.”
— Sharon Rakowski
“Very rude when I called on behalf of a family who had just lost their father. When I kindly asked if they had a Spanish speaker the guy on the phone was very quick to use a rude tone. A simple "no sorry, we only have English speakers. If they need a Spanish speaker i think it'd be best to go elsewhere" would have been at least nicer.”
— natalie vargas
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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