The "rent" paid builds up as a purchase credit that the tenant can use to purchase any park owned trailer in the park (usually the one they are in), tenant is responsible for all maintenance and repairs, and they forfeit any built-up credit if they are negligent, cause damage, or move out of the park.

If your HOA is found negligent then they would have to pay (or their insurance company). 

Not just your insurance premium, but the looming specter of a negligence, personal injury or wrongful death lawsuit. 

EDIT- the reason I was led to believe these disclosures are painful from an agent's perspective is because of the following excerpt in my CA licensee study materials:A transaction is not invalid if the required natural hazard disclosures are not provided, but the person who willingly or negligently did not make the disclosures is liable for damages.

In my study materials, I read the following statement:A transaction is not invalid if the required natural hazard disclosures are not provided, but the person who willingly or negligently did not make the disclosures is liable for damages.

Otherwise you'll find out the meaning of piercing the corporate veilAnd it will probably not protect you against room negligence especially gross negligence.

I informed her that she would need to pay for the replacement of the door because of her negligence and then sent her a bill for the door along with receipts. 

However, they claim no knowledge of how it happened and don't want to be responsible for damages.It clearly wasn't our negligence.

In the slip and fall scenario, where the renter slips and falls on your property causing them to pursue legal action against you, what is to stop them from suing the business (the LLC) and you (as a negligent landlord)?

However, insurance is limited because it only protects you from one type of liability: accidents/negligence.