New landlord Policy Insurance Inspection in Brooklyn

[Anthony Gallagher]

Hi we have a zoned 2 family home (double duplex fully gutted in 2019) with 3 kitchens. One kitchen is for a subletter that occupies one level of a duplex.  All kitchens were professionally installed and the building is in great condition. I'm assuming this will this affect the landlord policy insurance inspection? What is the best way to manage this situation before the inspection happens?  Remove the kitchen all together and convert it back into two duplexes or is there another option?  Thank you!

[Owen Rosen]

Are they doing a full interior inspection?

Just having an extra kitchen doesn't impact insurance eligibility.  It can affect estimated replacement cost and therefore the amount of coverage recommended/required.  

If you actually have a triplex rather than a duplex that could impact insurance eligibility and pricing but it doesn't sound like that's the case.

Along those lines, you just have to make sure sub-leasing is OK with your insurance. Can you talk to the agent that wrote the policy about this?