Locke Funeral Home (Locke on 4th)
1519 W 4th St, Waterloo, IA, 50702
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
“Rick was truly amazing. I went in broken after just losing my dad and he walked me every step of the way. I couldn’t have made the decisions I did without him beside me. Rick I can never thank you enough and share what you’ve done for me and my closure. Thank you.”
— Destiny Gustafson
“We worked with Kenzie and she did a great job making sure everything was the way our family wanted it for my dad. (Pete Davis). She was caring and understanding about any changes we made. She made this difficult time easier .”
— Arlene Tiedt
“Chris E. is absolutely amazing! We've worked with her in the past at a previous company and was truly blessed to work with her again at Locke. There is no easy way to plan a funeral when losing a loved one. However, Chris has always went above and beyond. We are truly grateful!!!”
— Amanda Elizabeth
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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