The Zappa Agency

10/17/2026

🔑 HOME INSURANCE MYTHS DEBUNKED: PART 3 💡

MYTH: "As a renter, my landlord’s policy covers everything."

REALITY: Your landlord's policy protects their building—not your personal belongings or personal liability!

If your apartment suffers theft or fire, your landlord's insurance won't replace your furniture, electronics, or clothes. Likewise, if your dog bites a guest or an overflowing tub causes accidental damage to the unit below, you could be held personally responsible.

Renters insurance is surprisingly affordable and gives you complete peace of mind. Give us a call at The Zappa Agency today to get covered! 🛋️📦

10/15/2026

💼 HOME INSURANCE MYTHS DEBUNKED: PART 2 💡

MYTH: "My home-based business is definitely covered by my homeowners policy."

REALITY: In most cases, standard homeowners policies do not automatically cover business liability or specialized business equipment!

Fortunately, adding coverage for a home-based business is often very affordable. In many cases, an endorsement can easily be added directly to your existing home policy for a minimal cost. For larger operations with significant inventory or equipment, a separate commercial policy might be the best fit.

If you’re running a business from home, reach out to us to make sure your hard work is fully protected! 📲

10/13/2026

🏡 HOME INSURANCE MYTHS DEBUNKED: PART 1 💡

MYTH: "I should insure my home for its market value."

REALITY: It’s actually best to insure your home for its replacement value—and here are two big reasons why:

1️⃣ You still own the land: Part of your home’s market value is tied to your lot size and location. In the event of a covered loss, you still own the land itself, so you only need coverage for the cost of rebuilding the actual structure.
2️⃣ Material & labor costs fluctuate: There can be a big difference between what your home would sell for on the current real estate market and what it actually costs today for materials and labor to build a replica.

Want to make sure your home is properly protected without overpaying? Let’s review your policy together! 📞✨

Stay tuned for more myths debunked...

10/10/2026

🏢 Protecting the Businesses That Make Owatonna Great

As a local business owner, you’ve put endless hard work and passion into building your company. Having the right commercial insurance coverage in place ensures that unexpected setbacks won't compromise your success.

From general liability and commercial property to workers' comp and business auto, The Zappa Agency offers tailored protection plans designed specifically for local businesses.

💬 Let’s review your current coverage and make sure your business is properly protected.

📍 The Zappa Agency | 111 W Main St, Owatonna, MN
📞 (507) 451-9343
🌐 zappaagency.com

10/09/2026

Tonight is Tackle Cancer at the OHS vs Northfield game! Please support this great event!

10/07/2026

🛡️ Your Protection, Your Choice

When it comes to insurance, one size definitely doesn't fit all. As an independent agency right here in Owatonna, The Zappa Agency works for you—not the big insurance companies.

We compare options across top carriers to find custom coverage tailored to your family, home, auto, or business at a price that makes sense for your budget.

💡 Ready to see how much you could save with personalized, local service?
📍 Stop by 111 W Main St in Owatonna or call us at (507) 451-9343 today!
🌐 Learn more: zappaagency.com

They are very thorough and responsive to my needs.  Over the past year, I've purchased new vehicles and refinanced my home.  Never once, did I have to wait very long at all for the coverage and/or information that I've needed.  I trust the Zappa Insurance Agency will all of my insurance needs. 

10/05/2026

🍎 Happy World Teachers' Day from The Zappa Agency! 📚🏈

As someone who gets to spend time around so many of the fantastic teachers and coaches right here in Owatonna, I see firsthand the incredible dedication, patience, and heart they bring to our community every single day.

Whether they’re inspiring students in the classroom or mentoring young athletes on the field, our local educators and coaches do far more than teach lessons—they build character, instill confidence, and help shape the future of our town.

To all our Owatonna teachers, coaches, and school staff: thank you for the endless hours, the late nights, and the passion you pour into our kids. We deeply appreciate everything you do! 💙

Tag an amazing Owatonna teacher or coach below to show them some well-deserved appreciation today! 👇

— Steve Zappa & The Zappa Agency Team

📍 Owatonna, MN

10/03/2026

🍁 Preparing your vehicles and toys for the changing season?

Whether you’re wrapping up summer road trips, parking boats and RVs, or getting snow gear prepped for winter, seasonal transitions are the best time to review your auto and recreational coverage. Make sure your assets are fully protected year-round—without paying for extras you don't need.

The team at The Zappa Agency is here to ensure your vehicles, toys, and peace of mind stay covered every season.

📞 Call us today at 507-451-9343 for a quick seasonal review!

10/01/2026

Choices mean finding the fit that’s actually right for you! 🎯

Unlike one-size-fits-all options, The Zappa Agency works with trusted carriers like American National and Liberty Mutual to compare coverages and tailor a plan specifically to your life and budget. You get the strength of top-tier insurance partners paired with the personal, friendly service of a team right here in Owatonna.

✨ Ready to explore your options with a local pro? Give us a call or visit our Main Street office today!