Heritage Shores Funeral Home
7714 Front Beach Rd D, Panama City Beach, FL, 32407
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 Florida
$2,495 – $7,848
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,495–$7,848. 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
“Heritage Shores Funeral Home took care of my husband's cremation. They are very professional , thoughtful, and kind. I recommend their services. Thank you Heritage for being so considerate and comforting during this difficult time.”
— Sheila Griffin
“I cannot say enough good things about Heritage. Jessica was amazing. My sister & I are truly appreciative of her step by step guidance for our Dad. Questions were answered professionally & immediately. She went above & beyond any of our expectations! Our Dad's Military Honors meant the world to us & I know y'all made our Dad proud!! Totally recommend Heritage for your needs.”
— Rowen Smith
“My husband passed away shortly after Heritage Shores Funeral Home was recommended to us & I will be forever grateful for that recommendation! After dreading going to the funeral home, when we did arrive we were greeted with warmth & empathy. Jon & Ashley continued to help me through this difficult time with their patience & understanding. They definitely made a very sad time tolerable. And, continue to offer help with the grieving process. Thank you Heritage Shores Funeral Home!”
— Peggy DeBoever
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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