Jose L. Luciano Funeral Home
218 Murray St, Rochester, NY, 14606
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
“The Morales/Ramos familia would like to thank Mr. Luciano and his staff for a wonderful Job well done with are brother John’s funeral service today. Mr. Luciano was really sent from heaven. Kind hearted guy. We will always remember and be grateful you all you did for are Family! May God bless you and your staff!”
— irma arteaga
“If you’re looking for a dignified, compassionate place to say goodbye to a loved one, I strongly recommend you keep looking. Walking into this funeral home felt less like entering a place of peace and more like stepping onto the set of a low-budget horror movie or maybe an abandoned butcher shop. To begin, our mother’s body was dropped during transport and was placed right next to another body upon arriving at the funeral home, as if privacy and respect were optional extras. To make matters worse, her head was propped on a cinder block. A cinder block. She wasn’t a piece of meat in a freezer...she was our mom, and she deserved dignity. The funeral director was cold, uncompassionate, and disrespectful and the lack of compassion toward me and my siblings was shocking. Rather than offering words of support, we were met with rudeness and an attitude that suggested our grief was inconveniencing him. When we requested that our mother be transferred to another funeral home that would treat her with the respect she deserved, they refused to release her until we paid for their so-called “services.” Translation: they held her body hostage until they got their check. In a time of heartbreak, the last thing any family needs is a funeral home that operates this way with a director who treats grieving families with disdain. Do yourself a favor; choose a funeral home that remembers they’re dealing with people, not property.”
— Carmen Clemente Bulerin
“The Ramos and Morales family Want to appreciate our sincere graditute for the amazing job well done conducted by Mr.Luciano and staff for our beloved John Carlos Ramos in Geneva New York , the entire family thanks you for all your services provided .. again thank you …”
— Marlin Lugo
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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