Terms & Conditions
Effective Date: November 4, 2026
Welcome to Zappa Insurance Services. These Terms & Conditions govern your use of our website, https://zappainsurance.com, and your interactions with our services, including our text messaging communications.
By accessing our website, requesting information, or using our services, you agree to these Terms & Conditions. Please read them carefully.
1. About Zappa Insurance Services
Zappa Insurance Services is an independent insurance agency providing insurance information, quotes, and assistance with personal and commercial insurance coverage.
Our services may include assistance with auto insurance, homeowners insurance, life insurance, business insurance, liability insurance, and other insurance products.
Insurance availability, eligibility, coverage, and pricing are subject to the terms and conditions established by the applicable insurance carriers.
2. Website Use
By using our website, you agree to use it only for lawful purposes.
You agree not to:
- Provide false or misleading information through our website.
- Attempt to gain unauthorized access to our website or systems.
- Interfere with the functionality or security of our website.
- Use our website in a manner that violates applicable laws or regulations.
We reserve the right to modify, suspend, or discontinue any portion of our website at any time.
3. Insurance Information and Quotes
Information provided on our website is intended for general informational purposes only and should not be interpreted as a guarantee of insurance coverage, pricing, or eligibility.
Insurance quotes are subject to verification, underwriting approval, carrier requirements, and applicable policy terms.
Submitting an insurance inquiry, requesting a quote, or communicating with Zappa Insurance Services does not automatically establish insurance coverage.
Insurance coverage becomes effective only when confirmed by the applicable insurance carrier or an authorized representative in accordance with the carrier’s requirements.
Do not rely on website submissions, emails, or text messages alone to bind, modify, or cancel insurance coverage.
4. Messaging Terms & Conditions
By opting in to receive SMS text messages from Zappa Insurance Services, you agree to receive informational and customer care text messages related to our insurance services.
These messages may include:
- Insurance quote updates and follow-ups.
- Appointment confirmations and reminders.
- Customer service communications.
- Insurance policy information and service notifications.
- Responses to insurance inquiries.
- Other informational messages related to services you have requested.
Message frequency may vary. Message and data rates may apply.
SMS Consent
By providing your mobile phone number and expressly opting in to our SMS messaging program, you consent to receive text messages from Zappa Insurance Services at the number provided.
Consent to receive text messages is not a condition of purchasing insurance products or services.
Opt-Out Instructions
You may opt out of receiving text messages at any time by replying STOP to any message from Zappa Insurance Services.
After opting out, you may receive a final confirmation message indicating that your request has been processed. You will no longer receive messages from the applicable messaging program unless you provide consent again.
Customer Support
For assistance with our text messaging program, reply HELP to any message or contact us using the following information:
Zappa Insurance Services
Phone: 651-999-8991
Email: fred.zappa@zappainsurance.com
Message Delivery
Message delivery is subject to the availability and functionality of your wireless carrier and mobile device.
Wireless carriers are not responsible for delayed or undelivered messages.
Zappa Insurance Services does not guarantee the delivery or timing of SMS communications.
Mobile Information Privacy
We respect your privacy. Mobile phone numbers and SMS consent information collected through our messaging program will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes.
We may share information with service providers that assist in delivering our text messages, solely as necessary to operate our messaging services and subject to applicable privacy protections.
Text messaging originator opt-in data and consent will not be shared with third parties for their own marketing purposes.
For additional information about how we collect, use, and protect personal information, please refer to our Privacy Policy available on our website.
5. Privacy and Personal Information
Zappa Insurance Services is committed to respecting the privacy of individuals who visit our website or use our services.
When you submit information through our website, we may collect personal information such as your name, email address, telephone number, and information relevant to your insurance inquiry.
We use this information to respond to requests, provide insurance-related services, communicate with customers, and operate our business.
Information may be shared with insurance carriers and authorized service providers when necessary to provide requested insurance services, subject to applicable laws and privacy requirements.
For more information, please review our Privacy Policy.
6. Electronic Communications
By contacting Zappa Insurance Services electronically, you acknowledge that we may respond using the contact information you provide, subject to applicable consent requirements.
Electronic communications may include email, telephone calls, and text messages.
Providing a telephone number or email address does not, by itself, constitute consent to receive automated marketing messages.
7. Third-Party Websites and Services
Our website may contain links to third-party websites, insurance carriers, or external service providers.
Zappa Insurance Services is not responsible for the content, privacy practices, availability, or terms of third-party websites.
Accessing third-party websites is at your own discretion and risk.
8. Intellectual Property
All website content, including text, graphics, logos, images, and other materials, is owned by Zappa Insurance Services or used with appropriate authorization, unless otherwise indicated.
You may not reproduce, distribute, modify, or commercially exploit website content without prior written permission, except as permitted by applicable law.
9. Disclaimer of Warranties
Our website and its informational content are provided on an “as available” basis.
While we strive to maintain accurate and current information, Zappa Insurance Services does not guarantee that all website content is complete, accurate, or free from errors.
Insurance coverage descriptions on our website are summaries only. Actual coverage is determined by the terms, conditions, exclusions, and limitations of the issued insurance policy.
10. Limitation of Liability
To the extent permitted by applicable law, Zappa Insurance Services shall not be liable for indirect, incidental, consequential, or special damages arising from your use of our website or reliance on general information published on it.
Nothing in these Terms & Conditions limits any rights or remedies that cannot lawfully be excluded or restricted.
11. Changes to These Terms & Conditions
Zappa Insurance Services reserves the right to update or modify these Terms & Conditions at any time.
Any changes will be posted on this page with an updated effective date.
Your continued use of our website following the publication of changes constitutes acceptance of the revised terms to the extent permitted by applicable law.
12. Governing Law
These Terms & Conditions are governed by the applicable laws of the State of Minnesota and the United States, without limiting any mandatory consumer protections or other laws that may apply
13. Contact Information
If you have questions regarding these Terms & Conditions, our insurance services, or our SMS messaging program, please contact: