Locke Funeral Services – Tower Park
4140 Kimball Ave, Waterloo, IA, 50701
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
Business Hours
What Families Say
“There are not enough words to express how easy it was to work the staff at Locke Tower Park. They thought of everything. Rick who came to pick up mom after she passed at Hospice was kind and caring. He was very gentle with mom and patient with our needs and emotions. We did have to work with a couple of different funeral directors, due to illness, which is completely understandable this time of year with all the yuck going around. Zach, Kenzie, Mike and Jonathan were all wonderful to work with. They were kind, caring and patient. We had so many questions and concerns in who was going to be taking care of our mom. Carol was great to work with. She did a wonderful job on the slideshow and making sure mom's programs and thank you cards were perfect. Thank you all for your kindness and help in navigating this difficult time.”
— Carrie Rzepka
“Incredible staff. My mother passed away in the middle of the night and I live out of state, and Locke funeral services was incredibly helpful in the midst of a difficult situation. The person who answered the phone in the middle of the night was kind, calm, and helpful. Next, Zack Smith called back quickly and was understanding and reasonable as we discussed a plan. Finally, Kenzie Suhr was truly extraordinary and went above and beyond to help my brother and I navigate difficult circumstances. I highly recommend Locke Funeral Services.”
— Sadie Wolff
“Zach Smith was so helpful with my Dad’s funeral planning. My sister and I had no idea what we were doing, on top of grieving, and he was absolutely fabulous and caring. Highly recommend and appreciate all they did!”
— Paige Foulk
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.
Are you Locke Funeral Services – Tower Park?
Claim your free listing to receive the families we connect you with, show your services and pricing, and partner with MedaSynq — at no cost.
Claim your free listing