That's because if Zimmerman's claim that he shot the unarmed 17-year-old in self-defense is upheld by prosecutors, a judge or a jury, Florida's so-called stand your ground law would protect him from a lawsuit. But his clearance or acquittal wouldn't stop Martin's parents from suing The Retreat at Twin Lakes homeowners association — and its insurance policies and assets would make it a much more lucrative target than Zimmerman, even if he is eventually convicted of a crime.

Plus, lawyers say, Exhibit A would be a newsletter sent by the association to residents in February, the same month as the shooting. It said Zimmerman was the go-to person for residents who had been the victims of a crime.

Under the heading "Neighborhood Watch," the newsletter's message recommended that residents first call police and then "please contact our Captain, George Zimmerman ... so he can be aware and help address the issue with other residents."

That seeming endorsement of Zimmerman exposes the 7-year-old association to possible legal action by Martin's parents, homeowners association attorneys said.

"It's almost like if you give your son the keys to a brand new Corvette when he turns 16" and he gets in an accident, said Roberto Blanch, a South Florida attorney who specializes in homeowners associations. "You may be seen as enabling the occurrence or the loss."