With the start of 2026, many Ontario homeowners and landlords have a critical new item on their to-do list: installing carbon monoxide alarms.
Changes to the Ontario Fire Code now mandate a working CO alarm on every level of any residence with a gas-burning appliance. This new legislation is a vital step in protecting against carbon monoxide, a deadly and undetectable gas produced when fuels such as natural gas, oil, or wood are burned.
Given the serious risks associated with CO exposure, compliance isn't just about safety; it's also about protecting your property and ensuring you remain in good standing with your home insurance provider.
Read on to understand exactly what the new rules require and what it means for your policy.
A carbon monoxide (CO) detector is a vital safety device designed to monitor the air for carbon monoxide, a colourless, odourless, and poisonous gas produced by common fuel-burning appliances.
Because CO is entirely undetectable by human senses, these devices serve as a critical early warning system, identifying leaks from furnaces, stoves, or fireplaces. By sounding an alarm before CO reaches dangerous levels, they provide families with the life-saving time needed to evacuate and prevent serious illness or death.
The technology behind these devices relies on sophisticated sensors, such as electrochemical or metal oxide components, which constantly measure CO concentration in parts per million (ppm).
When the sensors detect that levels have risen above a safe threshold, the device triggers a loud, distinct alarm. This sound is specifically designed to be different from a standard smoke alarm, ensuring that occupants immediately recognize the specific threat and take the appropriate emergency actions.
Yes, it is mandatory to have carbon monoxide (CO) alarms in Ontario, and the law has recently become much stricter.
As of January 1, 2026, the Ontario Fire Code was updated to expand the requirements for CO detectors. While the previous law only required alarms near sleeping areas, the new regulations require significantly more coverage.
To ensure your home meets the latest Ontario Fire Code standards, you are now legally required to install a working carbon monoxide alarm on every storey, including the basement and any floor without bedrooms.
Additionally, you must maintain a CO detector in the area immediately adjacent to all sleeping quarters, typically in the hallway outside the bedrooms.
The updated 2026 laws also mandate protection for homes heated by external fuel-burning appliances, such as outdoor wood boilers or furnaces located in detached sheds, making coverage essential for both resident safety and compliance with home insurance requirements.
From an insurance perspective, complying with the 2026 Ontario Fire Code is a fundamental element of smart risk management. Most home insurance policies are built on the expectation that you will maintain your property in accordance with local building and fire safety laws.
If a carbon monoxide incident occurs and an investigation reveals the home lacked mandatory detectors on every storey, it could complicate your claims process or even lead to a denial of coverage based on property maintenance failure.
For landlords, the stakes are even higher, as failing to meet these updated standards can result in significant legal liability and the potential loss of insurance protection in the event of tenant injury or death.
Implementing proactive safety measures not only protects lives but also offers peace of mind. This approach can significantly benefit you during premium reviews and policy renewals, as insurers prefer homeowners who actively reduce preventable hazards.
In the event of a claim, demonstrating compliance can expedite the process and safeguard your coverage. We recommend creating a safety folder (either digital or physical) that includes the following:
Under the Ontario Fire Code, building owners and landlords are primarily responsible for ensuring compliance with safety regulations. Building owners are strictly responsible for ensuring their properties meet all carbon monoxide alarm requirements.
In rental scenarios, landlords must take a proactive approach by installing and maintaining functional alarms in every unit. This duty includes testing the devices annually, as well as whenever a battery is replaced, the electrical circuit is modified, or a new tenant moves in. Furthermore, landlords are required to provide each tenant with a copy of the manufacturer’s maintenance instructions to ensure everyone is informed on how the units operate.
Tenants also play a vital role in maintaining a safe living environment. Their primary responsibility is to immediately notify the landlord if they become aware of any malfunctions or issues with the carbon monoxide alarms in their suite.
Safety is a collective effort, and the law is clear regarding interference: it is strictly illegal for anyone to remove batteries or tamper with these life-saving devices in any way.
For those living in apartments or condominiums, the 2026 Ontario Fire Code mandates the installation of a carbon monoxide alarm if any of the following conditions are met:
To ensure full compliance and maximum safety, carbon monoxide alarms must be placed in the following specific locations within your unit and the building:
To ensure your home is fully protected and compliant with the Ontario Fire Code, carbon monoxide alarms must be installed strictly in accordance with the manufacturer’s instructions.
The law provides flexibility in the type of device you choose, allowing for hardwired, battery-operated, or plug-in models. Many homeowners opt for combination units that integrate both smoke and carbon monoxide detection into a single device.
It is crucial, however, that everyone in your household learns to distinguish between the two; a CO alarm produces a distinct sound or alert pattern that differs from a standard smoke alarm.
When shopping for new devices, always verify that they meet Canadian performance standards. Look for the certification logo of a recognized testing agency, such as the Canadian Standards Association (CSA), Underwriters Laboratories of Canada (ULC), or Electrical Testing Laboratories (ETL), to ensure the unit is reliable.
Ongoing maintenance is just as important as the initial installation. To keep your family safe and maintain valid insurance coverage, it is essential to keep all alarms in peak operating condition.
This includes testing the devices monthly using the built-in test button, replacing batteries annually, and replacing the entire unit once it reaches the end of its lifespan, as indicated by the manufacturer.
Yes, combination units are a great way to meet the requirements for both smoke and CO detection on every floor. Just ensure they are CSA-6.19 or UL 2034 certified.
You should test your alarms monthly using the "test" button and replace batteries at least once a year (unless you have a 10-year sealed battery model).
While every policy is different, most insurance contracts require you to maintain your home according to local safety laws. If a CO-related incident occurs and it’s found that your home was not in compliance with the 2026 Fire Code, your insurer may have grounds to complicate, reduce, or even deny your claim due to negligence.
Failure to comply with the Ontario Fire Code is a serious offence. Individual homeowners or tenants can face tickets of $295 or fines of up to $50,000. For corporations or landlords, these fines can reach as high as $500,000.
Ensure your home is compliant with the new 2026 carbon monoxide detector laws by checking your alarms today; don't wait for an inspection or an emergency. While updating your safety measures, take a moment to compare home insurance quotes in Ontario for the new year.
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