What a registered agent does
It's the person or company that receives official papers for your business: lawsuits, subpoenas and notices from the state. It must be located in the state where you register (SBA).
Can I be my own?
Usually yes. You need a physical street address in the state, not a P.O. box, where papers can be handed to you during normal business hours. Texas, for example, says the registered office can't be just a mailbox or answering service, and the LLC can't name itself (Texas Secretary of State). California asks for an individual agent's California street address and no P.O. box (Form LLC-1).
Can I use my home address?
You can, but it becomes public. California's Secretary of State notes that the agent's name and physical street address are "a public record, open to all" (California SOS FAQ). If that matters to you, a paid agent or an office address keeps your home off the record.
When a paid agent makes sense
- You want privacy for your home address.
- You travel or aren't reliably at one address in business hours.
- You form or register in a state where you don't live.
Otherwise, being your own agent is free and common. You can switch later by filing a change of agent with the state.