How Many Death Certificates Do I Need?

Short answer: more than you think. Most people need 5–10 certified copies of a death certificate. A certified copy is an official version with a seal from the state — not a photocopy. Banks, insurance companies, courts, and government offices each need their own original, and they don't give them back. If the estate is simple (a few accounts, no property), 3 to 5 copies may be enough. If there's real estate or more than a handful of accounts, get 10 or more. They cost $10 to $25 each depending on the state, and ordering extra through the funeral home upfront is a lot cheaper than going back later.

Most states charge $10–$25 per certified copy. Ordering extras upfront is usually cheaper than reordering later.

When You’ll Need a Certified Death Certificate

You usually need a certified copy (not a photocopy) to:

  • Close bank and investment accounts

  • File life insurance claims

  • Transfer or sell real estate

  • Handle retirement accounts

  • Notify government agencies

  • Complete probate, if required

Each institution often keeps its own copy.

How Many to Order (General Guide)

  • Simple estate (few accounts, no real estate): 3–5 copies

  • Moderate estate (multiple accounts, insurance, property): 5–10 copies

  • Complex estate (probate, business interests, multiple properties): 10+ copies

If you’re unsure, order on the higher end. It’s easier than reordering later.

Certified vs. Non-Certified Copies

  • Certified copies

    • Required for legal, financial, and government matters.

  • Non-certified copies

    • Usually sufficient for employers, subscriptions, or informal notifications.

When in doubt, assume certified.

Where to Order Them

  • Funeral home or cremation provider (most common)

  • County or state vital records office

  • Online vital records services (state-specific)

Ordering at the time of death is typically faster and cheaper than ordering later.

Common Mistakes to Avoid

  • Ordering too few copies

  • Assuming digital copies are accepted

  • Giving away your last certified copy

  • Ordering from the wrong state (need to be from the state they died in)

Bottom Line

Death certificates unlock nearly every next step. Ordering 5–10 certified copies upfront saves time, stress, and repeat fees. Good Grief helps track which institutions need copies so you don’t reorder unnecessarily.

Useful Resources

Printable Checklist