Applegate-Day & Enea Family Funeral Home
102 West St, Ilion, NY, 13357
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 New York
$3,368 – $10,595
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $3,368–$10,595. 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
“We could not have asked for a better funeral director to handle our father's services. The empathy and professionalism displayed by Don, Judy and staff was much appreciated during this difficult time -- they thought of everything and we are grateful! They are more family-like than business-like, very well balanced.”
— Kelly Swienton
“This family-owned, generational business truly feels like family now to us as they have helped us navigate the loss of first one parent, and then another. They approach the process with sincere kindness, clarity, honesty and integrity, always supporting the grieving family's wishes. I cannot say enough wonderful things about the Applegates, in particular Don and Judy.”
— FaithAnn Young
“I feel that the Applegate funeral home were kind, very helpful and did everything to make this funeral a smooth and less stressful for me and my family, thank you ❤️”
— Marcia Coffin
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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