Understanding Burial Insurance: Does it Cover the Plot?

Burial Insurance Plot

When preparing for the inevitable, burial insurance can give policyholders and their families mental peace. It is a kind of insurance mainly covering funeral and burial expenses after the policyholder’s death. 

By applying for this insurance policy, one can ensure that his family is not burdened with financial stress after his demise during an already challenging time. But a common question that arises in everyone’s mind is: whether burial insurance covers the plot itself. 

Well! You may get the answer to this question in this blog post. Here we will discuss the details of burial insurance and also shed some light on whether it includes burial plots. 

Does Burial Insurance Cover the Plot?

A burial insurance policy usually does not cover the burial plot itself. It is designed to ease the financial burden of funeral expenses. This insurance policy primarily focuses on funeral service, casket, cremation, transportation, embalming, and other related costs. That means these expenses do not consider a cemetery or burial plot. 

However, according to their policy specification, some burial insurance covers the cost of burial plots. If you have to buy burial insurance, read the policy terms carefully to see whether it covers the cost of the burial plot. You may have to buy a separate plot insurance policy if it does not. 

What does Burial Insurance Cover?

Here is the detail of the expenses that are covered under burial insurance:

1- Funeral Expenses 

Burial insurance generally covers the costs related to funeral service and viewing. It also includes the fees for the funeral home’s service, staff, and facilities. 

2- Cremation

The policy will cover the expenditure of buying a casket or a cremation

3- Embalming and Preparation 

This insurance usually includes the expenses of embalming, dressing, and preparing the deceased for the funeral service. 

4- Transportations 

The transportation costs of moving the deceased to the funeral home or the selected burial place will be covered by the burial policy. 

5- Funeral Ceremony and Memorial Expenses 

Expenses of a memorial service or funeral ceremony, such as flowers, programs, and other associated costs, are supposed to be covered by this policy. 

6- Outstanding Debts and Medical Bills 

Sometimes, a burial policy is used to pay any outstanding debts or medical bills left by the deceased. 

However, it’s crucial to read and understand the terms and conditions of the burial policy. Because policies vary significantly between insurance companies, ensure you choose a plan that best suits your needs and preferences. 

Do burial plots increase in value?

Yes, burial plots can increase in value with time. The land is a finite resource, and the demand for burial plots will also increase as the population grows. In addition, the sentimental value of a burial plot also increases with time, which enhances its value. 

On the other hand, it is vital to note that not all burial plots will increase in value because their value depends on many factors, like the location of the plot, its condition, and its demand in that area. 

If you purchase a burial plot, it is essential to first research and understand all the factors that may affect its value. Moreover, you also have to consider your requirements and preferences while deciding. 

Is a burial plot considered a real estate property?

Yes, a burial plot can be considered a real estate property because it’s a piece of land used for the burial. Real estate is any interest in land and the right to use, possess, and enjoy the land. In the US, such plots are owned by cemeteries or funeral homes. But now, individuals can also own their burial plots. While owning it, you can also sell it or transfer the ownership to another person. 

What does a burial plot cost you?

The cost of a burial plot can differ as it depends on various factors like cemetery location, plot size, and type. Typically, burial plots in public cemeteries are less expensive as compared to burial plots in private cemeteries.  

However, below is a general overview of the average cost of burial plots in the United States of America:

  • Cremation plots: $350 to $2,500
  • Public Cemetery: $500 to $ 2,000
  • Private Cemetery: $2,000 to $5,000

Remember that these are just average costs, which may vary significantly. For example, a plot in a high-demand area, like near a major city, will be more expensive than a burial plot in a less desirable area. 

Things to Keep in Mind about Burial Plots

  • Burial plots are considered long-term investments. Because their value is not significantly appreciated in the short term. Their value increases with time, significantly when the demand for burial plots increases. 
  • These plots are an excellent investment to preserve your family history. If you buy it for your family, you can ensure your loved ones will be buried together in the same place. 
  • It can also be a great way to express your belief via burial plots. You can go for a burial plot that reflects those beliefs when you have strong religious or even philosophical beliefs about burial or death. 

However, purchasing a burial plot is your choice, and you must consider various factors while doing so. These factors include your budget, beliefs, and your family needs. So it’s better to research before considering purchasing a burial plot. 


When you plan to purchase burial insurance, it is crucial to compare various policies and understand what each policy will cover for you. Moreover, you also have to ensure that you can afford premiums. Always read and understand the policy terms and details before making any decision.