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.