Jess C Spencer Mortuary & Crematory Inc
21228 Redwood Rd, Castro Valley, CA, 94546
License #FD1168
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 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
“Our close friend’s family had a memorial service here and their experience and mine (while helping out) was such a beautiful contrast to the high pressure, exploitive tactics used by some mortuaries. The staff was so friendly and helpful, and they were all willing to step in and help with whatever we asked for and step aside whenever it looked like we wanted to handle it ourselves. It felt SO different from the assembly line atmosphere I’ve witnessed elsewhere and it allowed the family to relax and treasure the experience of saying goodbye with family and friends. Thank you, Jess C Spencer staff!!!”
— Brian Park
“We worked with Joan and had a very positive experience. Everything was done with care and Joan gave us a very important heads up about what timing is realistic for funeral arrangements. On the day of the funeral, I was so impressed by Logan and Jason’s handling of everything. I arrived to the church early to set up and they were already there and had setup everything. They communicated everything throughout the process in a calm and graceful way so we were able to get the right people where they needed to be and have a ceremony with no hiccups.”
— Jessica Badrous
“This place is very respectful and honest with cost of services provided to people with lost of love ones. Very loving and blessing professional people.”
— Ken Kim
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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