Gulf to Bay Cremation
587 S Duncan Ave, Clearwater, FL, 33756
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.
Business Hours
What Families Say
“Don’t look any further! There is a reason why Gulf to Bay has all 5 star reviews. Andrew and Darlene were perfect from first contact. I felt like I was speaking with friends from the very beginning. There were no hidden fees, and they stayed in contact with me throughout the entire process without being intrusive. There is nothing easy about losing a loved one, but they made this part of the journey as easy as it could possibly be. Highly recommend! After we picked up my Dad we toasted to his wonderful life with a cold one.”
— Deb Hunseder
“From start to finish, the communication with this place has been absolutely amazing. Being in a different state can make things stressful and uncertain, but they made the entire process feel easy, smooth, and reassuring. Every question I had was answered quickly and clearly, and I always felt heard and supported. Their responsiveness, kindness, and attention to detail truly went above and beyond. It meant so much to feel connected and taken care of, even from miles away. I’m incredibly grateful for how seamless they made everything and couldn’t recommend them more.”
— Rebecca Kottwitz
“Andrew was always kind, compassionate, and very prompt with responses at all hours. We appreciate all you have done. Thank you”
— Stephanie Tyner
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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