Yes, you can work with an out-of-state insurance agent, but it helps to know when.
Local agents usually understand the rules and risks better. But going out-of-state makes sense if you need specialty coverage, have assets in multiple states, or want better policy options.
Keep in mind that agents must be licensed in the state where your property or risk is. So, an out-of-state agent needs the proper license to assist you legally.
Here's how to find an agent.