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Exhibit 5.1 CONSENT OF INDEPENDENT ACCOUNTANTS The Sponsors and Trustee of Defined Asset Funds--Municipal Investment Trust Fund--Insured Series--189 We consent to the use in this Post-Effective Amendment No. 7 to Registration Statement No. 33-49319 of our opinion dated , 2000 appearing in the Prospectus, which is part of such Registration Statement, and to the reference to us under the heading "How The Fund Works--Auditors" in such Prospectus. DELOITTE & TOUCHE LLP New York, N.Y. June 7, 2000
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