Herald & Stewart Home-Funerals
1002 Woodford Dr, Mt Sterling, KY, 40353
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.
“Do you offer payment plans?”
Many funeral homes allow you to spread the cost over time. Ask about down payments, terms, and financing options.
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 Kentucky
$2,121 – $6,671
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,121–$6,671. 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
“Completely desensitized when it comes to verbally and emotionally dealing with family members.”
— Tashia Thomas
“Herald & Stewart Home for Funerals is a loving and genuine environment. They took care of my father and family with compassion and integrity. Herald & Steward Home for Funerals achieve the highest level of quality service.”
— keith mccall
“Herald and Stewart were the most helpful and so nice during the difficult time of my mom’s passing. I recommend them highly I can’t imagine I would have been treated any better anywhere else.”
— Judy Alcorn
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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