This way as a landlord, you aren't discriminating, you're passing it off to the insurance company to defend their logic. 

@Jared Webb You could write a lease any way you want and be "technically" right but if this went to court do you really think you could defend yourself if the unit is listed on AirBnB?

However calling another agents client is like a prosecutor showing up at the jail cell of a "suspected" criminal and ignoring their right to counsel while "pushing their offer" after a defendant has stated a "desire of counsel to be present during negotiations". 

I have to be guaranteed that my tax preparer will show up in tax court and defend the return if that ever becomes necessary.

What can we do to fix this issue how can we defend ourselves.

The higher your insurance limits, the better you are going to be defended.

With that said, the common names you will come across in the industry will be Clayton, Champion, Cavco, Fleetwood, and the list goes on. 

@Max Frenkel Go to the Official Records search on the Clerk of Court site....enter the defendant name, you will see all mtgs,liens, the LP and FJ, etc for this property.....

“Defendant has not only breached the lease agreement by failing to make rental payment due on Feb. 1st and March 1st, but defendant has also failed to vacate the property and make any rental payments for the time he has failed to vacate the property beyond the lease terms,’’ the lawsuit said.

Direct defendants = 4.5%, siblings = 12%, and others = 15%.