Gardner Earl Memorial Chapel
186 Oakwood Ave, Troy, NY, 12182
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 New York
$3,368 – $10,595
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $3,368–$10,595. 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.
What Families Say
“This is a beautiful chapel. The stained glass is amazing. The masonry work and marble are impressive. The gentleman who walked me around was very friendly and told me some interesting things about the chapel. Highly recommend visiting this spot!”
— Frederick Bradbury V
“A loggia of three massive arches connects the chapel with its towers, which provides a magnificent 100-mile view of the Hudson River Valley. The sumptuous interior, virtually unchanged in its 120 years, features eight Tiffany stained-glass windows. Marble mosaics in delicate tints adorn the floor and altars. Wainscoting is crafted of pink African marble. The ceilings and pews are all hand-carved quarter-sawn oak. (Per website) This RURAL Cemetery is beautiful, def one of the 518’s most beautiful gems.”
— WISH
“A very peaceful historic cemetery built around 1890 with an ideal location situated very conveniently on the beautiful valley of Hudson river! Visiting it is like... talking to the creator of the universe, searching your soul! This place is built in a loving memory of a son who passed away at the age of 38. It has very decent and professional, kind hearted staff. Very inexpensive facility, an ideal location for cremation for any faith or religion! The chapel is very beautiful and gives a Devine feelings. It has a decent seating arrangements with benches and a place for worship and final rituals. It is also a very popular cremation facility amongst Hindu religion people as well! Kind hearted management and staff allows to perform rituals as per the requirements of the family of the deceased and fully co-operates in every details as much as they can! Walking around this chapel and memorial is a unique unforgettable experience of life!”
— Bhavesh Patel
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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