{"id":3819,"date":"2026-10-19T22:03:11","date_gmt":"2026-10-19T20:03:11","guid":{"rendered":"https:\/\/strahovanie.pl\/?p=3819"},"modified":"2026-10-19T22:04:11","modified_gmt":"2026-10-19T20:04:11","slug":"apartment-rentals-tenant-liability","status":"publish","type":"post","link":"https:\/\/strahovanie.pl\/en\/poradnik\/dom-i-kvartira-sovety\/arenda-kvartiry-otvetstvennost-arendatora\/","title":{"rendered":"Renting an Apartment in Poland: The Tenant's Responsibilities"},"content":{"rendered":"<p class=\"wp-block-paragraph\">You\u2019ve rented an apartment in Poland, and soon you\u2019ll face practical questions: Who fixes the door? Who paints the walls? What happens if there\u2019s damage when you move out? The answers to these questions are provided by the lease agreement (umowa najmu) itself and the Polish Civil Code (Kodeks cywilny). In this article, we\u2019ll break down, step by step, what the Code says about the obligations of the landlord (wynajmuj\u0105cy) and the tenant (najemca), and at the end, we\u2019ll highlight where insurance fits into the picture. This is a summary of several articles in plain language: please refer to the contract itself for the specific terms of your agreement.<\/p>\n\n\n<style>.kb-table-of-content-nav.kb-table-of-content-id3819_bd894a-86 .kb-table-of-content-wrap{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);background-color:var(--global-palette7, #EDF2F7);border-left:4px solid var(--global-palette2, #2B6CB0);}.kb-table-of-content-nav.kb-table-of-content-id3819_bd894a-86 .kb-table-of-contents-title-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kb-table-of-content-nav.kb-table-of-content-id3819_bd894a-86 .kb-table-of-contents-title-wrap{color:var(--global-palette3, #1A202C);}.kb-table-of-content-nav.kb-table-of-content-id3819_bd894a-86 .kb-table-of-contents-title{color:var(--global-palette3, #1A202C);font-size:18px;letter-spacing:1px;font-family:var( --global-heading-font-family, inherit );font-weight:600;font-style:normal;text-transform:uppercase;}.kb-table-of-content-nav.kb-table-of-content-id3819_bd894a-86 .kb-table-of-content-wrap .kb-table-of-content-list{color:var(--global-palette1, #3182CE);font-weight:regular;font-style:normal;margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-right:0px;margin-bottom:0px;margin-left:0px;}.kb-table-of-content-nav.kb-table-of-content-id3819_bd894a-86 .kb-table-of-content-wrap .kb-table-of-content-list .kb-table-of-contents__entry:hover{color:var(--global-palette4, #2D3748);}.kb-table-of-content-nav.kb-table-of-content-id3819_bd894a-86 .kb-toggle-icon-style-basiccircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id3819_bd894a-86 .kb-toggle-icon-style-basiccircle .kb-table-of-contents-icon-trigger:before, .kb-table-of-content-nav.kb-table-of-content-id3819_bd894a-86 .kb-toggle-icon-style-arrowcircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id3819_bd894a-86 .kb-toggle-icon-style-arrowcircle .kb-table-of-contents-icon-trigger:before, .kb-table-of-content-nav.kb-table-of-content-id3819_bd894a-86 .kb-toggle-icon-style-xclosecircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id3819_bd894a-86 .kb-toggle-icon-style-xclosecircle .kb-table-of-contents-icon-trigger:before{background-color:var(--global-palette7, #EDF2F7);}@media all and (max-width: 1024px){.kb-table-of-content-nav.kb-table-of-content-id3819_bd894a-86 .kb-table-of-content-wrap{border-left:4px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 767px){.kb-table-of-content-nav.kb-table-of-content-id3819_bd894a-86 .kb-table-of-content-wrap{border-left:4px solid var(--global-palette2, #2B6CB0);}}<\/style>\n\n\n<h2 class=\"wp-block-heading\" id=\"chto-takoe-dogovor-arendy-po-kodeksu\">What Is a Lease Agreement Under the Code?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Under a lease agreement, the lessor agrees to transfer an item to the lessee for use for a fixed or indefinite term, and the lessee agrees to pay the agreed-upon rent\u2014czynsz (Art. 659 \u00a7 1 of the Polish Civil Code). In the case of an apartment, the apartment itself serves as the property in this sense.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This definition makes it clear that a contract involves two parties, each of which has its own primary obligation: one transfers the property, and the other pays rent. The Code sets forth the remaining obligations in separate articles, which we will now examine.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"obyazannosti-arendodatelya-sostoyanie-kvartiry\">Landlord's Responsibilities: Condition of the Apartment<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The landlord must deliver the property to the tenant in a condition suitable for the agreed-upon use and maintain it in such a condition throughout the lease term (Article 662, \u00a7 1 of the Polish Civil Code). In other words, for the duration of the lease, it is the landlord\u2019s responsibility to ensure that the apartment is fit for the use agreed upon by the parties.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"chto-ostaetsya-na-arendatore-melkie-rashody\">What the tenant is responsible for: minor expenses<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The law requires the tenant to bear a portion of the expenses. These are minor expenses (drobne nak\u0142ady) associated with the normal use of the property (Article 662, \u00a7 2 of the Polish Civil Code).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Article 681 of the Polish Civil Code provides some guidance on which expenses are considered minor in the context of a lease (lokal). It lists the following as \u00abin particular\u00bb among the minor expenses that are the responsibility of the tenant:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>minor repairs<\/strong> floors, doors, and windows;<\/li>\n\n<li><strong>painting<\/strong> walls, floors, and the inside of the front door;<\/li>\n\n<li><strong>minor repairs to equipment and technical devices<\/strong>, which provide lighting and heating for the premises, as well as water supply and drainage.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Please note the phrase \u00abin particular\u00bb: the list in the article is not exhaustive; it provides examples, not all possible cases. If you\u2019re not sure whether a specific expense is your responsibility, check with the landlord and review the lease agreement before starting the work.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kak-polzovatsya-kvartiroy-i-o-chem-soobshchat-arendodatelyu\">How to Use the Apartment and What to Report to the Landlord<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The lessee must use the property during the lease term as specified in the contract. If the contract does not specify the manner of use, the lessee must use the property in a manner consistent with its nature and intended purpose (Article 666, \u00a7 1 of the Polish Civil Code). First, one looks at what is specified in the contract, and only if nothing is specified there does one refer to the nature and intended use of the item.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There is also a duty to report such issues. If, during the lease, it becomes apparent that repairs are needed that are the landlord\u2019s responsibility, the tenant must notify the landlord immediately (Article 666, \u00a7 2 of the Polish Civil Code). Once you realize that this specific repair is needed, don\u2019t put off talking to the landlord.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"vozvrat-kvartiry-po-okonchanii-arendy\">Returning the Apartment at the End of the Lease<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Upon termination of the lease, the lessee is obligated to return the item in a condition no worse than when it was received. However, the lessee is not liable for wear and tear resulting from normal use (Article 675, \u00a7 1 of the Polish Civil Code).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the lessee has transferred the property to another person for use free of charge or for sublease (podnajem), that person is also obligated to return the item in a condition no worse than when it was received (Art. 675 \u00a7 2 of the Polish Civil Code).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another provision concerns the starting point: it is presumed that the property was handed over to the tenant in good condition and fit for its intended use (Article 675, \u00a7 3 of the Polish Civil Code). It follows, therefore, that the condition of the apartment at the time of handover is important. The article does not mention a handover report or photographs, so this is our advice rather than a legal requirement: document the condition of the apartment upon receipt so that you have your own record of what it was like.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"otvetstvennost-za-neispolnenie-obyazatelstv\">Liability for Failure to Fulfill Obligations<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The general rule on liability is set forth in Article 471 of the Polish Civil Code. The debtor (d\u0142u\u017cnik) is obligated to compensate for damages resulting from the nonperformance or improper performance of an obligation. However, there is an exception: if the non-performance or improper performance resulted from circumstances for which the debtor is not liable, there is no obligation to compensate for the damages.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In a lease agreement, both parties have obligations. The lessor undertakes to transfer the property and must maintain it in a fit condition (Art. 662 \u00a7 1), while the lessee undertakes to pay rent (Art. 659 \u00a7 1), must use the property as intended (Art. 666 \u00a7 1), and is obligated to return it in a condition no worse than when received (Art. 675 \u00a7 1). Article 471 is formulated for obligations in general; therefore, its general rule, with the same qualification, also applies to the parties to a lease agreement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"gde-zdes-mesto-dlya-strahovaniya\">Where do I sign up for insurance here?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">All we've discussed so far is the relationship between the landlord and the tenant under the lease agreement. The articles we mentioned do not address insurance. If you are considering getting a policy, it's helpful to first understand the terminology involved.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On the page <a href=\"\/en\/houses-and-apartments\/apartment-insurance\/\">About Apartment Insurance<\/a> Key terms are explained. Walls (mury) refer to the apartment\u2019s structural framework without finishes. Fixed elements (elementy sta\u0142e) are those attached to the walls and ceiling, such as windows. Personal household property (ruchomo\u015bci domowe) refers to items that can be removed from the apartment, such as furniture and appliances. Civil liability (odpowiedzialno\u015b\u0107 cywilna), as explained on this page, provides protection if you accidentally flood your downstairs neighbors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The description of the terms does not specify whether the civil liability coverage in a particular policy covers damage caused to the landlord or to the rented apartment. You\u2019ll need to look for the answer in the insurance contract and in the OWU\u2014that is, in the general terms and conditions established by the selected insurer (og\u00f3lne warunki ubezpieczenia). Find the section on exclusions in the OWU: it specifies which risks the policy does not cover. More details about <a href=\"\/en\/guide\/insurance-tips\/general-insurance-terms-and-conditions-owu\/\">General Insurance Terms and Conditions<\/a> This is covered in a separate article.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Home and Apartment Insurance is covered in this section <a href=\"\/en\/houses-and-apartments\/\">\u00abHouse and Apartment\u00bb<\/a>. If you have any questions about OWU, please contact the consultants at Polisarium: they compare offers from various insurance companies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"chasto-zadavaemye-voprosy\">Frequently Asked Questions<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Who is responsible for the minor expenses in a rented apartment?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Regarding the tenant: Article 662, \u00a7 2 of the Polish Civil Code addresses the issue of expenses related to the normal use of the apartment. Examples for residential premises are listed in Article 681, ranging from minor repairs to windows and doors to painting walls, and this list is not exhaustive. In case of a dispute, refer to the lease agreement and discuss the work with the landlord in advance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Do you have to return the apartment in the same condition as when you received it?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Code uses a different formulation: the apartment must be returned \u00abin the same condition,\u00bb and the tenant is not liable for wear and tear resulting from normal use (Art. 675, \u00a7 1). The law does not specify how to assess specific signs of wear and tear, so it is best to discuss them with the landlord when returning the keys.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Who is responsible for the apartment if the tenant has transferred it to another person?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The person to whom the tenant has sublet the apartment or granted it for use free of charge must also return it in the same condition (Art. 675, \u00a7 2). The tenant\u2019s own obligation does not disappear as a result: the article states that it rests \u00abalso\u00bb on the other party.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Will the apartment insurance policy cover damage that a tenant causes to the rented apartment?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">There is no one-size-fits-all answer for all policies: the answer is provided by the OWU for the specific policy. Before counting on it, check the OWU to see if the liability coverage includes damage caused to the landlord, and read the section on exclusions. If anything is unclear, call our advisors at 534 666 111\u2014they speak Russian.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do you still have questions about insurance for a rented apartment? Call us at 534 666 111\u2014we speak Russian. The addresses of our branches in Warsaw are listed on the page <a href=\"\/en\/contact\/\">contacts<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>What the Polish Civil Code says about the obligations of landlords and tenants: minor expenses, returning the apartment, liability, and where to get insurance.<\/p>","protected":false},"author":1,"featured_media":3818,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[12],"tags":[17,18,20],"class_list":["post-3819","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dom-i-kvartira-sovety","tag-dogovory","tag-zhizn-v-polshe","tag-usloviya-polisa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin 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