Schramm's Flowers & Gifts
3205 Central Ave #2, Toledo, OH, 43606
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 Ohio
$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.
Business Hours
What Families Say
“Such a beautiful tribute with every detail for all of our requests. Lynn and her team were absolutely wonderful and making sure every detail was more than we could have hoped for. I ordered these online, from Virginia...the night before we needed them for a Funeral Memorial. They were loved by everyone! We love Schramm's”
— Melissa LeCoq
“Beautiful flowers, delivered the same day as ordered. Highly recommend this florist, very satisfied!”
— Ann Spies
“This was my first time ordering flowers for someone and it was a great experience. Wonderful customer service and they were very accommodating”
— Keyshyra Reid
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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