Horizon Funeral and Cremation Services Inc.
1329 NJ-37, Toms River, NJ, 08755
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 Jersey
$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
“My grandma passed away this month, we had her cremated here. From the first phone call Horizon’s staff were very kind (we had actually called 2 other places before them and the people who answered were cold and clinical; one was even supposed to call us back because they were “busy” and never did). Their prices are very fair (one of the other places was insanely expensive, especially in comparison), the inside of the building where we had the memorial was very nice - clean, nicely decorated. We had 3 pastors come because they were connected to my grandma’s church - 2 spoke, one played the piano - and they did a lovely service, which Horizon allowed and discussed with us. They even actually had the gratuity for them included in the bill, which was awesome because it wasn’t even something we had initially considered. During the service Lisa and Dianne handed out the itinerary papers, kept the prayer cards stocked, and helped with cleanup after everything was done. Very efficient and very kind! The experience was very memorable, and I’m so thankful. This funeral home is very good, the staff are excellent, I definitely recommend them.”
— Marisa DePoalo (MarisaMakesThings)
“I was not prepared as many are not, to begin the process of honoring a loved one. In my case it was my Father, and the Staff of Horizon made the process as painless as possible. From the first call to Lisa, whose first words after introduction were condolences, to the interactions with her and Sharon, and the Staff in general. They were both compassionate and caring every step of the way. Even when i had them make several changes they were accommodating. They took care of everything, including having the military come in to play taps and present the flag to my Mother. The Service it self came out beautifuly. I could not have asked for a better sendoff for my Father and I highly recommend anyone to seriously consider Horizon to handle this diffucult transition for you.”
— Andrew Jackson
“Never easy when you have to take care of a loved ones final arrangements. Horizon was fantastic. Very responsive and easy to work with. Everything was well run and I never once felt like I should have went somewhere else. Pricing was very transparent and upfront. Thank you very everything.”
— Keith Goodman
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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