Tobias Funeral Home - Belmont Chapel
648 Watervliet Ave, Dayton, OH, 45420
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
“At Tobias Funeral Home I was treated with the utmost compassion and professionalism. All of my needs were meet. There was no pressure of any kind as I made the final decisions as I said goodbye to my loved one.”
— Halloween Guy
“After a brief stay in hospice our family member passed. Contacting Tobias was the best move we could have made. They took charge and made our experience painless with e.otuonalky and financially. Thank you so much for your help.”
— Leonard Cluley
“The staff at Tobias were very professional. Phil took his time explaining everything. Made sure my family understood all procedures. The service was beautiful.”
— oof master
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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