Penland Family Funeral Home
125 South Ave, Swannanoa, NC, 28778
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 North Carolina
$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
Business Hours
What Families Say
“I am sincerely grateful for the compassionate support provided by Penland Family Funeral Home in planning my husband’s funeral on July 18, 2025. Their name truly reflects their approach—they felt like family throughout the process. With understanding and patience, they guided me through each detail. The funeral was held at the Western Carolina State Veterans Cemetery, honoring my husband’s military service with full military honors. Beautiful arrangements of flowers and personal photographs added warmth and meaning to the ceremony. Penland Family Funeral Home delivered an exceptional funeral service, and I wholeheartedly recommend them to others.”
— Sue Jensen
“My family has used Penlands for so many years. They have always been so loving and compassionate. Ask for Liz!”
— Kathy Gribble
“From my first call with Liz, I had a great experience with Penland Funeral Home. The information I received was clear and organized and the atmosphere was just perfect for this sensitive time. I felt respected throughout the entire process. Penland made this process very easy for me during my difficult time. I highly recommend them.”
— Amber Luisa
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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