S&M Flowers
106 Curie Ct, Bear, DE, 19701
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 Delaware
$2,745 – $8,633
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,745–$8,633. 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
“Absolutely EXCELLENT! The flowers are beautiful! The communication was helpful & friendly. The service was outstanding! She didn't charge me a delivery fee and she even included a free chocolate bar. 💗”
— P J
“Minka was wonderful in helping me to trust the online florist experience. She took the time to ask me questions to learn exactly what I wanted. Her arrangement was stunning - and at a reasonable price. I’m incredibly grateful to have found this florist!”
— Robin Salasin
“I am extremely grateful to this business. After work, I thought about sending my wife some flowers at the last minute. Being that it was late (530ish), I wasn’t able to find any other of the more popular flower delivery options that were willing to ensure a delivery for the same day plus the majority of other local businesses were already closed. I found S&Ms after a quick Google search and went on their website which was extremely clear and very reasonably priced especially since it was a last minute purchase for delivery. I called the shop to ensure they would be able to do and the person (totally forgot her name, my apologies) was willing to assist and even gave me some rose choices based on what they had left. I made my order online and called back to confirm (nervously) and she put me at ease that they had it covered. The beautiful bouquet of flowers were delivered an hour later (via DoorDash) and my wife was sooo happy. Thank you so much for working with me, you have a customer for life!”
— Joel Ranglin
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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