Will My House Insurance Cover for Funeral Flowers Too?

Are you well-prepared in covering the cost of your funeral? This may not be an easy topic to deal with, but it’s important to make the necessary preparations instead of letting your family take on additional stress in case you pass away.Over the last decade, the price of funerals has increased by a large margin. This has forced grieving relatives to look for cheaper alternatives. But most would still prefer a traditional burial, which could easily cost thousands of dollars these days.
One question in many people’s mind is whether their house insurance will also cover their funeral expenses. Unfortunately, the answer is no. A house insurance company only insures your property. You need to look at other plans to take care of your funeral costs.

Life Insurance

The first option is a life insurance policy. While it’s primary purpose is to provide a sum of money for your dependents after your death, a lump sum can be taken out of the policy to pay for your funeral or at least cover some of the expenses.It’s critical to read the terms of the policy to make sure that it covers your funeral costs. Also, consider whether you will be able to make monthly payments consistently. In most cases, you need to make these payments for the rest of your life in order to get the lump sum when you die.



Funeral Plan

Another option that has increased in popularity over the years is a funeral plan. It is also referred to as a prepaid funeral since you’re essentially paying for your funeral expenses while you’re still living. The biggest advantage to using this plan is that the amount of money you shell out is based on today’s prices. This can be a huge difference if you consider the inflation in the price of funerals over the years.The cheapest funeral plans are the most popular but expect that only the basics will be covered such as a coffin and the service of a funeral director. If you can afford to spend more money, then the provider may include extras.

Funeral flowers are often not included in basic funeral plans. But some may include the flowers in your plan at an additional price. Other extras you can pay additional money for include catering, choir, and burial plot.When choosing what plan and extras to get, do not forget to consider your family. You want to put as little pressure to them as possible, so try to find the best plan you can afford.

By now, you should have a clear idea on how to cover your funeral expenses. While your house insurance company can’t help you in this matter, it’s nice to know that there are other options out there. Just remember to carefully read the terms of the life insurance policy or the funeral plan to make sure that they cover the most expensive items in a funeral including the funeral flowers.


How to Choose a Funeral Flower Arrangement

Flowers have an important part in a funeral service because you can express your feelings for the one that passed away and for the family, like attachment, love or regret. However, how do you make the right choice in this situation?

Fresh Flowers

The one who sends the flower arrangement to a funeral needs to pay attention to several things, especially the meaning that’s behind the flower. You’ll have to know about the flower type, the resistance of the flower and the color or colors.

The flowers can be chosen based on the wish of the one who offers the flowers or based on the preferred flower of the deceased person. Both choices are correct in this case. Because we’re talking about natural flowers, their freshness is very important, along with the conditions they are kept in and their resistance for the following days. As you will need to have fresh flowers for a longer period of time, they need to be kept in a cold room and they should have fresh water all the time. If you can’t see where the flowers are kept, ask the seller about it.

You’ll also have to think about where these flowers will be kept – in the house, in the tomb or on the grave. If you know that your flowers won’t be placed in a cool place and they won’t have enough water, choose something more resilient like carnations or chrysanthemums.

The Symbols of the Flowers

You will certainly find many symbols related to flowers, but here are some of the most common ones that are used in funeral arrangements. The lilies mean faith or hope; the roses can have different meanings: red for love, white for purity, or yellow for friendship. The chrysanthemums mean sincerity; the carnations are a symbol of love and affection, while the Calla Lillies represent the symbol or rebirth. In the religious symbolism, the flowers represent the beauty of heaven present at the funeral.

Common Funeral Flower Arrangements

The funeral flower crowns are common, and most of them are tear-shaped, or even round. The funeral jars represent another type of arrangements, which are indeed cheaper. These are recommended to those who wish to spend less on a funeral flower arrangements, but still, present their condolences to the family.

If you plan to order any funeral flower arrangement online, you’ll need to ask the seller about the dimension, the approximate number of flowers and if the model (photo) that you’ve seen on their site is somehow different than what they’re actually selling.