Tonico
if your accountant really does do everything, tax, legal permissions, etc, and if she is collecting the income, and then you are paying the IVA on the income and her fees etc, in relation to the letting, then I am surprised she has not got this point (insurance) covered.
As it appears she has not, I would also not be surprised (as we are in Spain) that she also has not crossed all the 'T's and dotted all the I's ' on the legal renting requirements. It may be in your interests to ask her exactly what she has / is doing on that front.
I have lived here 23 years so I know that even the professionals are often out of touch with legalities. Note all the people who have bought illegal properties in Spain on the advice of the professionals they paid to protect them !
Best of luck.