Martinez-Morse Funeral Home
33 Railroad Ave, Middletown, NY, 10940
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 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
“Would recommend them 100%. The staff at Martinez- Morse were a huge comfort and peace in a super sad, tough time for my family and I. Staci and AJ were caring, compassionate, patient, empathetic, and went above and beyond with all of our wishes, communications, and requests. On the day of the celebration of life for my mom, Chris and Chris were helpful, professional, action oriented, caring, and welcoming. They made our unique day happen to honor my mom. One point of improvement is the livestream; our online viewers couldn’t get in so I’d recommend recording any speaking parts/ live-streaming on a backup device.”
— Carina Saint Louis
“Martinez-Morse Funeral Home was nothing short of amazing. They helped guide our family through one of the most difficult times in our lives. Grateful is an understatement. Chris was so helpful and attentive. He took his time with every small detail. Chris is patient, professional, and kind hearted. We were blessed to have had their services.”
— lauren santagato
“Wonderful experience. The staff at Martinez Morse Funeral Home made the painful passing of my mother a loving celebration. They were respectful of all our wishes. We had to plan the funeral over the phone and emails because we don't live in NYS. Rachel was patient, informative and very experienced. The service was everything we expected. We highly recommend their services at such a painful time.”
— Mila S
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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