The Zappa Agency

The Zappa Agency At the Zappa Agency we strive to provide quality products and superior service to our clients at affordable prices.

Steve Zappa is licensed in Minnesota (LIC #53908), Wisconsin, and Iowa. Representing American National Insurance Company, Galveston, TX, and American National Property and Casualty, Springfield, MO. Products and services are not available in all states. American National means American National Insurance Company and its subsidiaries and affiliates. The content of this site does not necessarily repr

esent the positions, strategies or opinions of American National. Neither I nor American National is responsible for statements posted by third parties. All logos and trademarks are the property of their respective owners. This site may have links to other sites not maintained by this agency or American National. Such links do not imply endorsement or approval of these sites or the content therein. We reserve the right to remove any posts from this page, including repeated posts containing the same content, posts that we determine to be confrontational, and posts that advertise other products or are not relevant to business. Do not post personal information such as claim numbers, policy numbers, etc. If you need assistance concerning your policy or claim, you may call 507-451-9343. We will not provide any claim information or request any personal information on a public forum.

Summer often brings big life changes--graduations, weddings, moves, and new adventures. With those changes, your insuran...
06/24/2026

Summer often brings big life changes--graduations, weddings, moves, and new adventures. With those changes, your insurance needs may shift.

Graduates & College Students
Is your kid moving out, starting a job, or heading to college? We can review whether your student should stay on your policy or get their own.

Wedding Bells
Getting married? Let us know so we can help you combine policies smoothly, avoid coverage gaps, and review things like personal property and life coverage.

Moving
Buying a home, renting, or relocating? We can help update your coverage and make sure everything transfers correctly to your new place.

Recreation
Thinking about getting an RV, ATV, boat, or other summer toy? We can help you find the right coverage before the adventure begins.

Big changes are exciting, and we’re here to help make sure your coverage keeps up.

Happy Father’s Day from The Zappa Agency!Today, we want to wish a wonderful Father’s Day to all the amazing dads, grandp...
06/21/2026

Happy Father’s Day from The Zappa Agency!

Today, we want to wish a wonderful Father’s Day to all the amazing dads, grandpas, and father figures in our community. Thank you for the hard work you put in, the guidance you provide, and the strong foundations you build for your loved ones every single day.

As a father, your number one priority is protecting the people who matter most. At The Zappa Agency, we share that priority. We are honored to be the trusted team you count on to safeguard your family’s future, your home, and your hard-earned peace of mind.

We hope all the dads get to kick back, relax, and enjoy a well-deserved day of celebration with family. Happy Father's Day! 🎉✨

One Size Does Not Fit All. Get Insurance Tailored to Your Life.When you shop for insurance online by yourself, it’s easy...
06/18/2026

One Size Does Not Fit All. Get Insurance Tailored to Your Life.

When you shop for insurance online by yourself, it’s easy to feel like just another number in a giant system. You're forced to pick from rigid, pre-packaged policies that might leave you paying too much or, worse, underinsured when you need it most.

At The Zappa Agency, we do things differently. As your local insurance partner, we take the time to actually sit down, listen to your story, and understand your unique goals, budget, and lifestyle.

Whether you need to bundle your home and auto, protect a new business, or lock in life insurance for your family’s future, we shop around to find the right coverage at the best possible value for you. You get customized protection and a local team that actually answers the phone when you call.

Experience the difference of having a dedicated agent in your corner. Contact The Zappa Agency today for a comprehensive review of your current policies! 🌐✨

Condo Owners: Are You Sure You’re Fully Covered?There is a common misconception among condo owners that the building’s m...
06/16/2026

Condo Owners: Are You Sure You’re Fully Covered?

There is a common misconception among condo owners that the building’s master insurance policy covers everything. In reality, that association policy usually only covers the physical structure of the building and common areas—not what is inside your individual unit.

If there is a fire, water damage, or a break-in, you need a personal Condo Insurance policy to protect what belongs to you.

At The Zappa Agency, we help condo owners understand exactly where the association’s coverage ends and where your personal policy needs to begin. We’ll customize a policy that protects:

🛋️ Your Personal Belongings: Furniture, electronics, clothes, and appliances.

🛠️ Interior Structure: Your cabinets, flooring, and any custom upgrades you've made.

⚖️ Personal Liability: Protection if someone is accidentally injured inside your unit.

Don't wait for an unexpected accident to find out you have gaps in your coverage. Let’s review your association's bylaws together and make sure your home is completely protected! Give us a call today. 📞💼

Your business is the result of endless hard work, dedication, and sacrifice. But an unexpected accident, property damage...
06/13/2026

Your business is the result of endless hard work, dedication, and sacrifice. But an unexpected accident, property damage, or legal claim can put everything you've built at risk.

The Zappa Agency specializes in helping local business owners protect their livelihoods. Because we are an independent agency, we can build custom commercial insurance packages—including general liability, commercial property, workers' comp, and commercial auto—designed around the unique needs of your specific industry.

Let's make sure your business is secure so you can focus entirely on growth. Reach out to our team today to review your commercial coverage!

📞 507-451-9343
🌐 zappaagency.com

When it comes to safeguarding your home, your vehicles, and your family's future, a generic online policy isn't enough. ...
06/11/2026

When it comes to safeguarding your home, your vehicles, and your family's future, a generic online policy isn't enough. You deserve local professionals who take the time to look out for your best interests.

At The Zappa Agency, we pride ourselves on delivering personalized, neighborly service combined with sophisticated coverage options. We sit down with you to identify hidden gaps in your current insurance policies, making sure you have a solid safety net when you need it most.

Experience the peace of mind that comes with having a dedicated local team in your corner. Give us a call or visit our website to get started!

📞 507-451-9343
🌐 zappaagency.com

Are you tired of rising insurance premiums or feeling like you're stuck with limited options? One of the biggest benefit...
06/09/2026

Are you tired of rising insurance premiums or feeling like you're stuck with limited options? One of the biggest benefits of working with The Zappa Agency is that we are a fully independent insurance agency.

Instead of being locked into just one major insurance company, we partner with a wide network of trusted regional and national carriers. This means we do the shopping on your behalf—comparing rates, coverage options, and deductibles to find the absolute best value tailored specifically to your family or business.

Let us handle the heavy lifting to ensure you are properly protected at the right price. Contact our Owatonna office for a free quote review today!

📞 507-451-9343
🌐 zappaagency.com

Navigating Minnesota’s Changing Home Insurance Rates 🏠⛈️ If you’ve opened your recent homeowner's insurance renewal not...
06/06/2026

Navigating Minnesota’s Changing Home Insurance Rates 🏠⛈️

If you’ve opened your recent homeowner's insurance renewal notice, you've probably noticed that a lot has been happening with rates across Minnesota lately. Between unpredictable Midwest weather, rising construction and repair costs, and shifting industry trends, home insurance premiums have been on the rise statewide.

But you don’t just have to accept a massive rate increase!

At The Zappa Agency, we are independent agents, which means we work for you, not a single big insurance company. We have the power to shop your coverage across multiple top-rated carriers to find competitive rates without sacrificing the vital protection your home needs.

Your home is likely your biggest investment. Let’s sit down, review your current policy, and see how we can optimize your coverage and find the best rate for your budget. 🛠️🛡️

📞 Don't let rising rates catch you off guard—let us shop around for you!
💻 Connect with us today at: zappaagency.com

Take the Hassle Out of Auto Insurance 🚗💨 When was the last time you actually reviewed your auto insurance policy? If yo...
06/04/2026

Take the Hassle Out of Auto Insurance 🚗💨

When was the last time you actually reviewed your auto insurance policy? If you’ve just been letting it auto-renew year after year, you might be missing out on better coverage or hidden savings. Whether you are adding a new teen driver to your policy, upgrading your commuter vehicle, or looking to protect your favorite summer weekend ride, The Zappa Agency is here to help!

We don't believe in cookie-cutter policies. Our team takes the time to understand your daily driving habits and tailors a policy that keeps you, your family, and your vehicles fully protected on the road. From comprehensive liability to reliable roadside assistance, we ensure you have the perfect safety net in place.

Let us do the heavy lifting so you can drive with absolute peace of mind. 🤝🏁

💻 Get your free, quick auto insurance quote today: zappaagency.com

Address

111 W Main Street
Owatonna, MN
55060

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+15074519343

Website

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