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Navigating Final Expenses in Florida: A Guide to Funeral and Burial Costs and Insurance Solutions


I. Introduction: Navigating Final Expenses in Florida

Navigating the intricacies of final expenses can be a daunting task, one that many of us are unprepared for until the need arises. In the sunny state of Florida, where the vibrant hues of life are celebrated, the topic of end-of-life expenses carries a poignant contrast. Final Expense Brokerage of America understands the sensitivity of planning for the inevitable and is dedicated to helping Floridians ease the financial and emotional burden on their loved ones.

The purpose of this blog is not only to educate but also to empower. As you read on, you will gain insights into the average costs associated with funerals and burials across Florida’s diverse cities—from the bustling streets of Miami to the serene beaches of Fort Lauderdale, the tourist haven of Orlando, and the cultural melting pot of Tampa.

But understanding the costs is just the first step. We’ll delve into the benefits of final expense insurance, a specialized coverage designed to manage these costs efficiently. This insurance not only covers your funeral and burial expenses but also ensures that your family’s grief is not compounded by financial stress.

By the end of this guide, you will have a comprehensive understanding of the financial aspects of funeral planning and the value of final expense insurance. And should you have any questions or wish to secure peace of mind with a tailored insurance plan, Final Expense Brokerage of America is here to assist you.

With each word, we invite you to reflect on the importance of foresight and the comfort that comes with knowing your final wishes will be honored without imposing a financial burden on those you hold dear.

II. The Average Cost of Funeral and Burial in Florida

Funeral cost written on sign board

When considering the final expenses in Florida, the average cost of a funeral with burial services falls at approximately $7,461, which is slightly below the national average. These costs are part of a larger financial picture that encompasses various services and fees that may not be immediately apparent when beginning the funeral planning process.

The breakdown of these expenses includes the funeral director’s basic service fees, transportation, casket, embalming, viewing, and burial. In more detail, families can expect the following average costs within the state:

– Basic services fee: $2,195

– Transfer of remains to funeral home: $350

– Embalming: $750 (though not required in Florida)

– Preparation of body: $255

– Use of facilities & staff for viewing and ceremony: $425 and $500, respectively

– Casket (wood): $3,195

– Transportation (hearse): $340

– Service car or van: $150

– Printing of materials: $175

– Vault: $1,500

Moreover, costs can rise with the inclusion of a burial plot, headstone or grave marker, and flowers. Burial plots, for instance, can cost anywhere from $1,000 to over $4,000, depending on the location and whether it’s a private or public cemetery. Grave markers can range significantly in price as well, with simple headstones starting at around $199 and more complex monuments potentially costing upwards of $10,000.

In addition to traditional burial, cremation offers a less expensive alternative, with the average cost of cremation and services in Florida being around $5,021, plus an additional $295 on average for an urn. Direct cremation, without a service, can be found for under $1,000 if researched thoroughly.

It’s essential for individuals planning for themselves or for a loved one to understand these costs, as funerals are often one of the largest expenses they may handle, comparable to purchasing a home or car. Planning ahead can mitigate the financial impact, with options like life insurance, burial insurance, payable on death accounts, pre-need funeral plans, and savings accounts all being viable methods to cover these expenses.

The state of Florida has its regulations regarding who is responsible for deciding and covering the costs of burial, usually beginning with the deceased’s will or last wishes, then falling to family members in a specific order if no will is available.

Also Read: Debunking Myths about Final Expense Insurance 

III. Costs Breakdown by Florida Cities


Miami’s funeral costs can vary, with direct cremation being the most economical option available at approximately $795. A full-service cremation averages around $5,454, while a traditional funeral with all services included may reach upwards of $10,700. These costs are reflective of the vibrant and culturally diverse backdrop of Miami, where prices can be influenced by the choice of services and the higher living costs associated with the city.

Fort Lauderdale

Similar to Miami, Fort Lauderdale’s funeral expenses reflect the city’s coastal location and its proximity to Miami’s market. One can expect the cost of a traditional funeral to be comparable to Miami, potentially ranging from $7,000 to $12,000 depending on the services chosen.


The Orlando area, a central hub of activity and tourism, sees funeral costs that align more closely with the state’s average. For a traditional funeral with burial, costs in Orlando could range from $6,500 to $9,000, incorporating basic services, a casket, and a burial vault.


In Tampa, funeral costs can vary depending on the funeral home’s location and services selected. The cost for a traditional funeral might be similar to the state’s average, falling between $6,500 and $10,000.

It’s important to note that these costs can fluctuate based on specific services like embalming, transportation, and the type of casket or urn chosen. Cremation services remain a less expensive alternative across the state, with the average cremation fee in Florida being around $3,407, not including additional costs such as urns or niche placements.

These costs provide a general guide but can vary based on the level of service and the funeral home chosen. Planning ahead can help manage these expenses, with options such as life insurance, burial insurance, or pre-need funeral plans being prudent ways to mitigate the financial burden.

The figures mentioned above were gathered from US Funerals Online, which offers a comparison of funeral costs, and Memorial Planning, which provides a detailed breakdown of funeral and cremation costs in Florida. Please note that these are average costs and actual prices can vary depending on the specific funeral service provider and the chosen service package.

IV. Funeral Costs: Services and Considerations


The costs associated with funeral services in Florida can vary greatly depending on the specific arrangements and personal choices made. Here we will explore the differences between burial and cremation costs, and the additional services that might affect the overall expense.

Funeral Services and Burial Costs

In Florida, a traditional funeral service coupled with burial can cost on average about $7,461. This includes the basic service fees, transportation, embalming (if required), preparation of the body, and the use of facilities for viewing and ceremony. The average cost of a casket made of wood is around $3,195, and a vault, often required by cemeteries, is approximately $1,500. When you add other services like printing materials and transportation vehicles, it’s clear that a traditional burial can be a significant expense.

Cremation Services

Cremation is an increasingly popular option in Florida due to its lower cost compared to traditional burials. A direct cremation, which is a basic cremation without any ceremonial services, can be arranged for as low as $795. On the other hand, a full-service cremation that includes a ceremony and other services averages around $5,454. The costs are lesser because cremation avoids the need for a casket, embalming, a grave liner, and a cemetery plot.

Also Read: Securing Peace of Mind: Why Final Expense Insurance is a Must

Additional Costs

Regardless of whether a burial or cremation is chosen, there are additional costs that must be considered:

– Embalming: Though not legally required in Florida, embalming is common practice if you’re planning a viewing or if the body needs to be preserved for a period before the funeral. The average cost is about $750.

– Transportation: The hearse transport cost averages around $325.

– Private Viewing: Facilities may charge an average of $200 for a private viewing.

– Flowers and Grave Markers: These personal touches can vary widely in cost, with simple grave markers starting at about $399 and going up depending on complexity and materials.

– Memorial Service Extras: The creation of pamphlets, prayer cards, and other materials can cost on average $183.

It’s also important to note that these prices are averages and can vary depending on the service provider and any personalized arrangements made.

When planning for funeral costs, one should consider the immediate need for funds after the passing of a loved one. It’s here that life insurance or burial insurance can provide peace of mind. These policies can ensure that funeral expenses are covered without placing a financial burden on the family.

For those considering cremation services, it is possible to plan a respectful and dignified service that honors the deceased without the larger costs associated with traditional burials.

V. Planning for the Inevitable: Funeral Insurance

Final expense insurance

  1. What is Funeral Insurance?

Funeral insurance, also known as burial or final expense insurance, is a specific type of whole life insurance designed to cover the costs associated with end-of-life expenses. Unlike traditional life insurance policies aimed at income replacement or paying off large debts, funeral insurance is tailored to alleviate the financial burden of funeral and burial expenses for the family of the deceased. Its purpose is to ensure that these final costs do not add to the emotional stress during a time of mourning by providing a designated payout to cover expenses such as the funeral service, cremation, burial, and any outstanding minor debts.

2. Funeral Insurance in Florida

For Floridians considering funeral insurance, it’s crucial to understand the specific needs and options available within the state. With final expense policies ranging from $5,000 to $50,000, residents have a wide range of coverage levels to choose from based on their anticipated funeral costs and personal wishes. Floridians should look for policies that offer the flexibility to match their unique needs, considering factors like policy premiums, the reputation and stability of the insurance provider, and the ease of the claims process.

When selecting a funeral insurance policy in Florida, individuals should consider their health status and age, as these can influence premium costs and eligibility. Most funeral insurance policies do not require a medical exam, making them accessible to a broader range of individuals, including those with existing health conditions. However, it’s important to accurately disclose health information, as some policies may impose a waiting period before the full benefits are payable if the insured passes away soon after the policy is issued.

Moreover, Floridians should also evaluate the benefits of choosing a policy that can be used at any funeral service provider versus those that may limit service options or tie benefits to specific providers. Flexibility in this regard can be particularly valuable for ensuring that end-of-life wishes are honored without undue restriction.

In summary, funeral insurance offers a practical solution for managing the costs and planning of final arrangements. By carefully selecting a policy that aligns with their needs and budget, Florida residents can provide peace of mind for themselves and their loved ones, ensuring that they can focus on remembering and celebrating the life of the deceased without the added stress of financial concerns.

Also Read: The Impact of Pre-existing Conditions on Final Expense Insurance

VI.Ensuring Peace of Mind: The Value of Final Expense Insurance

Final Expense Insurance written

 Understanding the importance of managing funeral costs is crucial in today’s world, where the financial and emotional burden of unexpected expenses can significantly impact families. Final Expense Brokerage of America specializes in providing final expense insurance to ensure that individuals and their loved ones are protected from the high costs associated with end-of-life arrangements. This protection not only alleviates financial stress but also offers peace of mind, knowing that everything is taken care of.

We encourage those seeking to secure their family’s future and ease the process during challenging times to reach out to Final Expense Brokerage of America. By obtaining a policy tailored to your needs, you can ensure that your final wishes are respected without imposing a financial burden on your loved ones. Contact us today for more information or to find a policy that best suits your requirements.


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