,,your mum'' is a commonly used term in all of America to answer a ,,diss'' or a ,,insult''. It's often used when the offended person doesn't know what to answer when confronted with a ,,diss''. Saying your mum usually means: Your mum has to do something with what you just said.
A guy: Yo, your so ugly omg. I can't imagine living in your body, must be a terrifying Life
Another guy: Your mum.
A guy: ,,dies''