Tschetter Agency

10/30/2026

10/30/2026

Halloween is on a Saturday this year, and our team hopes you and yours get up to some fun “hocus pocus” over the weekend. Whether you are trick-or-treating, handing out candy at the door, or simply enjoying the excuse to eat candy and curl up with a spooky movie, we hope it’s spellbinding.

As always, if anything comes up this week, do not hesitate to reach out. Our team is here to help.

Have a happy Halloween!

10/29/2026

🏠 MUST-SEE SPLIT-LEVEL GEM! 🏠

Looking for the perfect blend of space, charm, and modern comfort? This beautiful home is ready for its next chapter! From the cozy fireside living room to the bright, open kitchen, every corner of this house feels like home.

✨ Highlights You’ll Love:

🛋️ Two Spacious Living Areas: Perfect for hosting, movie nights, or curling up by the beautiful brick fireplaces.
🍳 Stunning Kitchen & Dining Nook: Features gorgeous oak cabinetry, plenty of natural light, and a cozy corner perfect for morning coffee.
🛌 Comfortable Master Bedroom: A peaceful retreat with warm natural light and plenty of space to unwind.
🌳 Fantastic Curb Appeal & Yard: A huge, lush green yard with a spacious driveway and great outdoor potential.
Whether you're looking for room to grow or a cozy place to settle, this home has so much to offer.

Call me or your favorite Realtor to schedule a showing☀️🔑

10/29/2026

On November 1st, daylight saving time ends, and the clocks fall back an hour. This shift not only gives us an extra hour of much-needed sleep but also serves as a timely reminder to take care of a few things around the house as we approach winter.

So, that said, here is a quick home checklist worth running through as the days get shorter:

✅Turn back any clocks that do not automatically adjust themselves before bed on Saturday night.

✅Test and replace the batteries in your smoke and carbon monoxide detectors. This is one of the easiest ways to keep your household safe heading into winter.

✅Check your outdoor and security lighting. As daylight hours get shorter, having well-lit outdoor spaces can be a key safety step.

Taking care of these small to-do list items can make a real difference in how safe and prepared your home feels all season long.

As always, if there is anything we can assist with, do not hesitate to reach out. We are here to help.

10/28/2026

As harvest wraps up for many producers and the year winds down, it is the perfect window to get ahead on your crop insurance and farm recordkeeping before the calendar turns. A little organization now can save you time, stress, and missed opportunities later.

Here is a checklist to help guide your end-of-year planning:

✅Submit your production reports. Even without a loss this year, accurate reporting helps keep your Actual Production History current and prevents delays or audit issues down the road.

✅Evaluate your enhanced coverage option (ECO) and supplemental coverage option (SCO) projections. Price shifts and yield variation could affect potential payouts, so it is worth running the numbers to see if you may be eligible for an indemnity.

✅Get your farm records in order. Income summaries, expense logs, and your balance sheet support tax prep and strengthen future claims or loan applications.

✅Check in on tax planning. Confirm your premium payments and potential indemnity amounts for year-end financial planning.

✅Schedule a coverage review. We’ll uncover opportunities to adjust your guarantee or unit structures, double-check for life changes affecting your policy, and get a plan together for next year.

To schedule an end-of-year insurance portfolio review, give us a call today. We are here to help.

10/23/2026

We're grateful for the trust our clients place in us. Here's one of their stories.

10/22/2026

Halloween consistently brings a spike in insurance claims, from slip-and-fall injuries on front walkways to fire damage from decorations and auto accidents.

So, with that in mind, our team wanted to take a moment to share a few simple tips that can go a long way toward keeping the night enjoyable and keeping you well-protected. Swipe for a few things to keep in mind.

Halloween should be a night you look forward to, not one you spend recovering from. So, if you have questions about your coverage heading into the holiday weekend, our team is here to help.

We hope you and your family have a safe and enjoyable Halloween!

10/21/2026

John Wutzke

📬 Notice Montana Property Tax Bills Landing in Mailboxes? Here’s What You Need to Know!

Montana’s updated property tax rules under the Homestead and Long-Term Rental program are taking effect. If you opened your bill and noticed a higher rate than expected, here is why that might be happening and what steps to take next:

💡 Why Your Bill Might Be Higher This Year:

- Missed the 2026 Enrollment Window? If you didn't enroll before the March 2026 deadline, your property defaults to the higher flat rate of 1.90% for the entire 2026 tax year.

- Already Enrolled / Primary Residence: Enrolled primary homes and long-term rentals qualify for the reduced rate, starting at 0.76% on the first $378,000 of market value.

🏡 What Buyers & Sellers Need to Know:

- Buying a Home? Exemption status does not automatically transfer from the seller. While you keep the seller’s rate for the remainder of the current calendar year, you must enroll in your own name as the new owner to secure the lower rate for next year.

- Selling a Home? The reduced rate stays attached to the property through the end of the current year, protecting tax proration calculations at closing.

✅ What to do right now:

1. Enroll NOW for 2027: Don't miss out on next year's savings! The enrollment portal for the 2027 tax year is open at the Montana Department of Revenue. Submit your application before the March 1, 2027 deadline.

2. Check Your Current Status: Visit the Homestead Enrollment Portal to verify whether your home is enrolled.

Got questions about property taxes, buying, or selling? Reach out anytime! 📲

10/20/2026

As the days get shorter, deer become much more active and are more likely to cross roadways — especially around dawn and dusk. This increased activity can pose serious risks to drivers, and hitting a deer can be a distressing and upsetting experience.

With that in mind, our team wants to share a few reminders to help keep you and your passengers safe this season and navigate the aftermath of striking a deer. Swipe for more.

If you're not sure what your current policy includes or would like to review your coverage this fall, feel free to reach out. Our team would be happy to answer your questions and help you understand your options.

10/20/2026

October is Fire Prevention Month, and for farmers, that is a timely reminder that dry fields, hot equipment, and shifting winds can turn a single spark into a serious problem fast.

Swipe through for fire prevention practices worth revisiting this harvest season, from equipment care to wildfire resilience around your property.

Have questions about your crop insurance coverage? We are just a call away.