Hill and Wood Funeral Home
15075 Spotswood Trail, Ruckersville, VA, 22968
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 Virginia
$2,495 – $7,848
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,495–$7,848. 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
“Everyone was very kind and accommodating, thank you 🙏🏻 couldn’t have worded it better than what Sue Hald has already shared in the first comment below. I also wanted to share some photos of space if anyone wants to see for reference.”
— Anna Germano
“I am grateful to Jen Caruso and Stephen Christianson for the ways they supported me and my family after my husband's sudden passing. Everything was done with care and consideration. They were both amazing. Their calm attention helped all of of us through a difficult time—locating the correct spot for burial, dealing with the staff at the cemetery, writing and posting the obituary, ordering and setting up the tents, ordering the flowers, acting as ushers yesterday, playing the music—every single detail was handled in a timely and professional manner but still, with reassuring warmth and kindness. We could not have done it without them. We felt a genuine connection with both of them and were deeply grateful that they both attended the service. That gave us a great deal of comfort. We could not have asked for more.”
— Sue Hald
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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