Does burial insurance cover cremation costs?

Key details about burial insurance

Cremation is often less expensive than burial — NFDA reports 2023 national medians of $6,280 for a funeral with cremation and $8,300 for a funeral with viewing and burial — so a policy sized for a traditional funeral may leave a cushion if cremation is chosen instead.

When choosing a coverage amount, it helps to think about which option (burial or cremation) you or your family are most likely to choose, since that affects how much coverage you actually need.