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I am with State Farm. Most insurers will not cover a roof over 15 years old. You have to get a new one.
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Question: I assume you're referring to shingle roofs, yes? Because, my understanding is that both membrane and metal roofs last a fair amount longer than shingle. So, how do insurers generally factor those?
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I strongly advise getting whole house gutters. You cannot believe the amount of water that falls here.
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I am a fan of gutters (never quite understand why some houses don't have them or only partially) but, I'm interested why you stated that? Is it because it creates too much ground saturation around the foundation?