D.L. Calarco Funeral Home, Inc.
135 Keyes Ave, Watertown, NY, 13601
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
“The Calarco team did an exceptional job of managing my brother Tim's Funeral. I believe that this funeral must rate among the most difficult. They certainly went the extra mile and more, assisting in coordinating activities with all parties involved, motivating individuals to come to agreement on difficult decisions, and overcoming the challenges presented by a snow storm dropping 5 feet of snow. I have never attended a more moving service.”
— Douglas Charlton
“Our family has been working with the Calarco Family for as long as I can remember! Highly recommend Francee, Don and Larry when it comes to the tough time of saying good bye to a loved one! First class all the way and always go above and beyond for the family”
— James Michael
“D.L. Calarco is where all my family goes. My Grandparents, Dad and Uncles. It's a beautiful funeral home. We will continue to use their services.”
— Bridget Finley
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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