Funerals by T. S. Warden
410 Beech St, Fernandina Beach, FL, 32034
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.
Services Offered
Business Hours
What Families Say
“Staff at Funeral's by T. S. Warden were very instrumental in making a very difficult situation a comforting and compassionate one. We felt a genuine sense of caring, not just about us, but more so about our mom. They helped assure us that her final wishes would be honored. Thank you so much!”
— Brenda Hooper
“My grandmother was laid to rest today, and I have to say that T.S. Warden funeral home did a wonderful job! It was such a beautiful wake and funeral. To the staff, Thankyou soo much!”
— Shaundrea Mason
“You all did an awesome job on my dad, he looks amazing. Thank you”
— Starleatha Pollard
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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