Frank Gallo & Son Florist
1601 State St, Schenectady, NY, 12304
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
“I was in town from Indiana for my Mothers Birthday and I purchased a bouquet from this florist, and it was hands down the most beautiful arrangement I’ve ever received. The flowers were fresh, vibrant, and thoughtfully arranged with an eye for color and detail that truly stood out. You can tell they take real pride in their craft. From the moment I walked in, the service was friendly, attentive, and genuinely helpful. They listened to what I wanted and somehow delivered something even better than I imagined. The bouquet not only looked stunning but lasted far longer than I expected, which speaks to the quality of their blooms. If you’re looking for a florist who goes above and beyond—whether for a special occasion or just to brighten someone’s day—this is the place. I’ll absolutely be returning for future arrangements.”
— dorothy wiegers
“We received an absolutely gorgeous Christmas arrangement from Gallo Florist. The driver went above and beyond ensuring that the arrangement would survive outside by wrapping it in additional layers to protect the flowers. He actually had to return the next day to ensure we would be there to retrieve them in a timely manner. What great customer service! Thank you so much.”
— Cathie Stlucia
“Frank Gallo did such an outstanding job on the flowers for my intimate backyard wedding that happened in July 2024. The quality and colors of the flowers were just incredible - I can't speak highly enough of how perfect they were. I've honestly never seen a bouquet so beautiful - everything was so perfect. They were very easy to work with, super communicative and I would HIGHLY recommend them for any special event. I cannot say enough about how perfect they were.”
— Erica Dean
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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