Steve Zappa

Steve Zappa

A father of 4 boys, Steve and Kim moved to the Owatonna community from Shoreview in 1992 with their eldest son, Joe, and second son, Sam, well on the way. Steve opened his agency in Owatonna that year and has been serving the Owatonna community and surrounding areas ever since. Steve channels his joy for coaching and mentoring into the 9th grade and Varsity football teams these days, though he spent 20+ years coaching youth baseball and football in town here. Steve enjoys fishing year-round, hunting with his sons way up north near the Canadian border, skiing, the very occasional round of charity golf, and spending time with his family and friends. Steve is well known in different circles for his deluxe Italian cooking, and routinely gets asked when the next batch of his famous Italian sausage can be expected. Steve is a fully licensed multiple line insurance professional, which is a boring way of saying he loves meeting new people, hearing their stories, and helping them design a plan to protect the people and things that matter most in their world.

Kim Zappa

Any current client knows that Kim is the life blood of the agency's day to day operations. Though she is newly licensed herself (woot woot!), Kim has been the face of our top-tier agency customer service for over 20 years. The first person you meet when walking through our door, Kim works hard to take care of our clients service needs, and her expertise and support are vital to our agency's success. Mother to the 4 Zappa boys (Joe, Sam, Mike, and Ben), Kim is enjoying the highs and lows that come with being an empty nester after seeing her youngest, Ben, off to his Freshman year of college this Fall. Kim is a diehard Minnesota Vikings fan, which means most Sundays at game time you will find her not far from a TV screen, cheering on the Vikes or, only semi covertly, against the Packers. Kim enjoys listening to country music and going to concerts, playing cards, vacationing in Mexico, hanging out with friends and spending time with her family. Her most recent hobby involves trying to navigate the world of Fantasy Football (who cares about the other guys if they aren't Vikes!).

Jeannie Joslyn

Jeannie, Kim and Steve's niece, joined the team in 2016 as a Customer Service Representative. She endeavors to provide the same level of excellent service our clients have come to expect at the Zappa Agency. Jeannie manages our agency's scheduling and supports Kim with the day to day operations. She enjoys camping, hanging out with friends and family, working at her parent's restaurant in New Richland on the weekends (check out Red Leaf Café when in the area!), and the occasional Netflix binge.


  • Steve is currently a 9th Grade and Varsity Assistant Football coach for the Owatonna Football program
  • Steve is a member of both the Owatonna Eagles and Knights of Columbus Organizations
  • The Agency sponsors the halftime radio stats report on KRFO for all Varsity football games

In the past:

  • The Agency has sponsored countless youth baseball and football teams over the past 27 years, with Steve coaching as many as 5 different teams a year throughout that time
  • Steve has driven King and Queen candidates in the Owatonna Homecoming Parade
  • Steve used to run the entire 7th and 8th Grade Youth First Football Program
  • Steve has chaired fundraising efforts for brand new lights at the JC Park baseball field, brand new baseball scoreboards at JC Park, Manthey, and Dartt's park, helping raise $100s of thousands of dollars for youth baseball in our city
  • Steve helps run the annual Ken Bey Golf Tournament for the Owatonna Quarterback Club
  • Steve has participated in Mentorship/Work Study programs with OHS students
  • Steve has been a guest speaker in OHS classrooms on various topics regarding the financial and insurance industries
  • Steve spent many years serving on the Owatonna Bullpen Club board including a term as the Board President