Buying 3 row homes...Should I deed them together or individually?

[Artem Kovalevskiy]

So I am purchasing 3 row houses that are all connected, and currently the seller has them on one deed. My question is should I spend the extra money and get them all split up and recorded individually or keep them all on one deed as they currently are?

I am not planning on selling them anytime soon, unless the market in the area goes crazy and value skyrockets. They would be rentals. All 3 need major work, and after the work is complete and i have tenants, i plan to get a loan out on the units. 

Is there a benefit to having them separate vs individually recorded? Will my insurance be a lot higher if I had to buy 3 policies vs just one, or would i still need 3 policies regardless of the deeds? 

Thanks in advance!