Waterbury Funeral Service
400 4th St, Sergeant Bluff, IA, 51054
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 Iowa
$2,246 – $7,063
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,246–$7,063. 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
What Families Say
“If you have any deaths in the family and are in Souix City don't go anywhere elts . They are 1 of the only independently owned not big corporate funeral homes in town Isabel is amazing ,sweet, thoughtful patient and understanding she made finding a funeral home a much easier choice because a place with such a wonderful person being the representative of a company the company must be a good place to come . Rodgers was the funeral director We spoke to and we had all kinds of difficult questions through this process he has guides us through it and was very thoughtful and well spoken . He jump through all kinds of hoops to help us deal with the hospital and many other things . This man made the process sooo much easier we where able to get things done with his help that we could not. Isabel and Rodger are just wonderful people we greatful for there kindness and time and effort they went above and beyond. If you have any deaths in the family and are in Souix City don't go anywhere elts . They are 1 of the only independently owned not big corporate funeral homes in town”
— Son of Asgard
“My mom passed away on 12/18/2024 and Waterbury Funeral Service in Sergeant Bluff, IA did her cremation services. They did great work and the staff who answer the phones are extremely polite and helpful. Planning everything was easy and stress free. The urns we received from Waterbury were beautiful and would be given top ratings by my mother! Thank you all for making this experience and processes seem to good to be true, but it is! 😁”
— ButterSkull Designs
“Very professional and respectful.”
— Cathy Watterson
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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