Crawford-Osthus Funeral Chapel & Cremation Services
1311 4th St NE, Watertown, SD, 57201
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 South Dakota
$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
“My wife and I lost our baby boy, Chad, Andi,Austin and the entire team took care of us from the first minute I spoke to them. Losing loved ones Is so hard, but Crawford Osthus shows so much care and respect to a grieving family, you know your loved ones are in the best hands.”
— Shane Yost
“Stephanie Dobbs is one of a kind ... She took care of my husband Gary Goble and the planning of the celebration of his life ... I don't know how you guys do what you do on a daily basis but you do it with such full hearts and so much compassion for the survivors ... I am greatful that I chose you guys ... Thank you Stephanie, Chad and the rest of the staff for going above and beyond for the care of Gary ... Stephanie thank you for holding me up when I couldn't do it for my self. And they continued right to the end and beyond ... You all are Angel's here on earth. Sincerely, Pam Goble”
— Pam Goble
“Great place to help families with unexpected deaths financially. Absolutely would choose this funeral chapel over and over. Great space for viewing your loved one..”
— Nicole Reynolds
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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