Moreno Mortuary
214 N Lincoln St, Santa Maria, CA, 93458
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 California
$3,244 – $10,202
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $3,244–$10,202. 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
“I haven’t been to too many funerals and never had to plan for a funeral. I recently lost my brother so planning for his service was something I was really dreading. I was referred by a family member to go to Moreno Mortuary and I’m glad I did. We worked with Joe, he made this process a lot easier for my family and really put my mind at ease. I really appreciate everything Moreno Mortuary did to help us through this hard time.”
— juana esquivias
“Moreno Mortuary did an amazing job helping or family put my husband Carlos to rest. From the moment we stepped into the door, they were very kind and made me feel like we were not alone throughout the process. They guided us every step of the way and were very patient with us. They were always there to answer any of my phone calls as well even during there afterhours. Thank you Joseph, Amelia and Andy for your help and giving us the comfort that we could count on you. Everyone who came to my husband's memorial service said that everything came out absolutely beautiful. I agreed with them 100%. Again thank you so so much. You guys deserve MORE THAN 5 STARS here on google. God bless you all.”
— Elizabeth Villa
“The entire team went beyond what we expected for our grandmother's arrangements. We are so grateful for the service they provided. They handled unexpected dilemmas professionally and discreetly. A special thank you to Amelia for her comforting words my grandfather.”
— Angie Snow
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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