No ESI data
Skip to main content
×

A Canada Post service disruption is in effect and will impact the delivery of insurance paper documents.  Please contact your Surex Advisor for any questions you have regarding your policy.  Find your advisor.

surex logo
Start a quote
  • Car Insurance
  • Home Insurance
  • Condo Insurance
  • Tenant Insurance
  • Bundle
  • More Insurance
    • Motorcycle
    • ATV
    • Snowmobile
    • RV/Trailer
    • Business
    • Farm
    • Boat
    • Travel
    • Landlord
  • Blog
  • MySurex
  • MySurex
  • Car Insurance
  • Home Insurance
  • Bundle
  • Condo Insurance
  • Tenant Insurance
  • Motorcycle
  • ATV
  • Snowmobile
  • RV/Trailer
  • Business
  • Farm
  • Boat
  • Travel
  • Landlord
  • Blog
Surex Blog
  • Auto
  • Seasonal Vehicles & Recreation
  • Home & Condo
  • Tenant & Landlord
  • Commercial
  • Travel & More
  1. Home
  2. Blog
  3. The guide on how to protect your home from carbon monoxide
  • Home & Condo
  • Home Insurance

The guide on how to protect your home from carbon monoxide

Nov 3, 2025
5 min. read
Author
freelance writer
Shivani Kaul
Editor
John Shmuel
John Shmuel
  • Home & Condo
  • Home Insurance
  • Facebook
  • Linkedin
  • X
people testing the CO alarm

Winter is coming... and with it, the looming threat of a deadly carbon monoxide leak. 

The risk of exposure to carbon monoxide indoors is far greater in colder months of fall and winter in Canada. Carbon Monoxide (CO), often known as the “silent killer,” is produced through indoor heating appliances that run on burning fuels such as propane, natural gas, heating oil or wood. 

Appliances like gas furnaces, hot water heaters, fireplaces, wood or pellet stoves, gas stoves, vehicles, generators and heaters can produce carbon monoxide gas. Incomplete burning of fuel caused by faulty burners or clogged chimneys can cause this invisible and odorless gas to leak. 

CO poisoning is a leading cause of unintentional poisoning deaths in Canada, with an estimated 300 deaths and 200 hospitalizations related to CO exposure each year. 

Fun Fact: In Ontario and British Columbia, November 1-7 is observed as Carbon Monoxide Awareness Week. 

Are carbon monoxide detectors legally required in your home?  

The National Building Code of Canada (NBCC) requires all buildings with residential or care occupancy that have a fuel-burning appliance or a storage garage, to have mandatory CO alarms installed. In most provinces, this code has been adopted by the provincial or local fire bylaws.  

It is advised to always check your local bylaw or the latest provincial code for specifics. 

The dangers of carbon monoxide  

Exposure to the poisonous carbon monoxide gas can turn fatal quickly because you cannot see, smell or taste it. It can cause flu-like symptoms such as headaches, nausea, dizziness, shortness of breath, confusion, drowsiness, as well as loss of consciousness, coma and death. 

People who are most at risk to this exposure are infants, small children, pregnant women, elderly people and persons with heart or lung problems. People with preexisting conditions and comorbidities are likely to have varied responses to CO exposure. As we approach the winter months that bring snowstorms and power outages, the risk of CO leak and exposure increases significantly too. 

The legal requirements  

The Ontario Building Code requires the installation of CO alarms in homes and other residential buildings like condos built after 2001. Ontario’s Fire Code requires CO alarms adjacent to each sleeping area in any residence so that the device is audible. Local authorities can inspect and enforce compliance with the law.  If you are a landlord in Ontario, you’re responsible for installing and maintaining CO alarms in your rental units and testing alarms regularly to make sure they’re in working condition. It is also illegal for tenants to remove batteries or tamper with CO alarms in their rental accommodations. 

Alberta Building Code mandates residents to install CO alarms in their homes next to every sleeping area or hallway outside bedrooms, while B.C.’s Fire By-law requires alarms in every dwelling, new or old. Manitoba, Nova Scotia, Nunavut and Yukon also follow NBCC/NFCC provisions, with Yukon specifying mounting and hard-wiring details. Quebec's Building chapter of the Safety Code recommends selecting CAN/CSA-6.19 compliant devices; New Brunswick, P.E.I., and Saskatchewan also tie requirements to their adoption of national codes. 

For best protection against CO poisoning, Health Canada advises installing additional alarms on every floor, testing the alarm every few months for battery replacements and replacing units according to expiry date. 

 

carbon monoxide detector in bedroom

What is the average detector or system cost? 

CO alarms come with an expiry date. These alarms do not last forever and most expire after 5 or 7 years of use. For your safety, make sure to check the expiry date on the alarm and set a reminder to replace them. If you cannot find a date, don’t take a chance and just replace the alarm. 

Prices may vary depending on the type of alarm you choose to install. While the alarms may look different, they are all tested to the same standard. When making a purchase, make sure you get the CSA-6.19 Residential OC Alarming Devices or UL 2034 Single and Multiple Station CO alarms. 

CO alarms can be electrically powered, battery-powered, electrical plugin or a combination of both. No matter which one you choose, make sure that in case of a power outage, the alarm has a battery backup option to ensure safety. 

A basic plug-in or battery CO alarm can cost around $25-$40 per unit from big-box retailers. Mid-range alarms with 10-year sealed battery power and combination smoke and CO units may cost somewhere between $40-$90 each. Hi-tech smart alarms or hardwired interconnected alarms which send phone alerts or integrate with home platforms typically cost more than $100.  

Do insurance providers offer discounts for installing CO alarms? 

Carbon Monoxide alarms are considered a safety essential in Canada and home insurers generally do not offer a stand-alone discount for having these installed.  

However, a professionally monitored home security system that can also monitor smoke, carbon monoxide leak, fire, flooding, or temperature change, can get you a discount in the 5%-15% range from home insurance companies. Third-party security services, which offer 24-hour monitored alarm systems, can alert homeowners and authorities to arrive sooner and help minimize the damage and cost of potential repairs. 

If you want to offset some safety upgrade costs, explore a monitored security package that integrates CO, smoke, and intrusion detection, and ask your insurer about available discounts. 

sources of CO infographic

Find the best home insurance rates today.

START A QUOTE
freelance writer

Shivani Kaul

Shivani specializes in personal finance, insurance, and mortgages. With a background in journalism and over a decade of experience in digital marketing, she blends storytelling with strategy to make complex financial topics accessible and engaging. She holds a certificate in Digital Marketing Management from the University of Toronto and a postgraduate degree in Mass Communication and Journalism.

John Shmuel

John Shmuel

John is the Director of Content and SEO at Surex. He has a passion for taking complex financial topics and making them easy to understand for everyone. John is an experienced marketing leader, having led content teams at several insurance and finance-focused companies. John also regularly appears in the media as a financial expert, including making appearances in the Globe and Mail, CTV and CBC. He was formerly a business reporter at the National Post and is a graduate of the journalism program at Toronto Metropolitan University.

Share this article
  • Facebook
  • Linkedin
  • X

Related Articles

woman in parking garage looking for her car
  • Auto

What are the Most Stolen Cars in Canada for 2026?

In Canada, any car can be stolen, but certain models are targeted more—learn which vehicles top the most-stolen list to help protect your investment.

Nov 24, 2025
6 min. read
Read Article
coffee shop
  • Travel & More

General Liability vs. Professional Liability: Which Insurance Does Your Business Need?

General liability covers physical risks, while professional liability protects against financial losses from services or advice—both essential for complete business protection.

Oct 31, 2025
5 min. read
Read Article
man standing on balcony of condo
  • Home & Condo

Condo Water Damage: What’s Your Responsibility?

Water damage in condos can be confusing; responsibility varies between owners and associations. Understanding coverage helps prevent costly surprises and ensures proper condo insurance protection.

Oct 24, 2025
6 min. read
Read Article
surex logo
  • Contact Us
    • support@surex.com
    • 1-855-MYSUREX
    • P.O. Box 100
    • Magrath AB T0K 1J0
  • Insurance
    • Auto
    • Home
    • Bundle
    • Business
    • Condo/Strata
    • Tenant
    • Farm
    • Travel
    • Motorcycle
    • Snowmobile
    • Trailer and RV
    • Boat
    • ATV
    • Landlord
  • Our Process
    • Why Surex?
    • How it Works
    • Find an Advisor
    • Carriers
    • File a Claim
    • FAQ
    • Our Insurance
    • Commission Disclosure
    • Payments
    • Valued Partners
    • Sitemap
    • Glossary
  • Company
    • About Us
    • Careers
    • Blog
    • Contact Us
    • In the News
    • Privacy Policy
    • Reviews

Copyright © 2011 surexdirect.com Ltd. All rights reserved.
® INSURANCE MARKETPLACE is a registered trademark of surexdirect.com Ltd.

Surex
Start an insurance quote now
START FREE QUOTE NOW

Surex uses cookies to enhance your browsing experience. By continuing to use the site, you agree to our Privacy Policy.