Quernheim Funeral Home
800 S Market St, Waterloo, IL, 62298
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
“My family has used Quernheims for decades, but I was just a visitor and never knew the details of arrangements or how they treated people in this time. Unfortunately now I know. I lost my husband and had to have him cremated and so much crazy surrounding the circumstances and so much changing I did and new stuff and questions I had. I was a complete mess. And things lingering on (NO fault to Quernheim) it was things nothing to do with them, but they were 100% compassionate, caring, understanding, helpful, flexible and everything you would want at the worst time of your life. They did everything and then some. Things I hadn't thought of. I can't say how much their compassionate and professionalism comes across like it's their family to. I felt like they TRUELY understood. You won't find anyplace better. Definitely recommend to a point, that I myself and making my plans to make sure, Quernheims handles my services when it comes my time. And to make sure they handle my son's to, cause he is ♿️ handicapped and I don't want him to go through any more trauma than necessary. So I have also chose them to handle mine & my sons on the future.”
— Marylou Kinsey
“I could not been happier with the kind and compassionate service we received.”
— Bob Totra
“They handled my cousin's funeral very well.”
— Glenn Hubbard
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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