Blackjack Insurance Explained

Blackjack is one of the most popular casino games, and with the right skills and a little bit of luck, it can also be one of the most profitable. 

If you’re new to the game it’s important to know all of the rules, and what is beneficial for your game. While the game itself is pretty straightforward, the way you bet is vitally important to your profits, and there are certain rules that will benefit you in the long run, or can severely cut into your profits if not utilized properly. 

One of the most disputed bets in blackjack is insurance. If you’re wondering what is insurance in blackjack, you’re at the right place.

Read on and we’ll go over everything you need to know about Insurance in blackjack.

What is Insurance in Blackjack?

In blackjack, insurance is a side bet that you can make. This side bet is only available when the dealer’s first card is an ace. If this occurs, you can bet half of your original bet that the dealer’s next card will be worth 10 (aka a 10, Jack, Queen, or King). 

If the dealer’s next card is indeed worth 10, then your Insurance Bet pays out 2 to 1. You still lose your original bet because the dealer hit blackjack, but the insurance bet softens the blow. 

For example: 

Say you bet £20 on a hand, and the dealer’s up card is an ace, and you decide to bet £10 on insurance.

If the dealer’s next card is a ten, you win £20. However, unless you also have blackjack, which is unlikely, you lose your original bet of £20.

So betting insurance allows you to break even.

If the dealer’s next card is anything not valued at ten, you lose that $10 and play resumes as normal. If you end up winning that hand you still come out ahead, but if you lose then you lost even more by betting insurance.

Is Insurance in Blackjack Worth It?

Insurance in blackjack can be worth it if you play smart. While you shouldn’t make the insurance bet regularly, doing it strategically can benefit your game and cut your losses from dealer blackjacks. 

The odds of a dealer making blackjack after showing an ace is 9 to 4. The payout on an insurance bet is 2 to 1. So from basic odds you can see that making an insurance bet isn’t worth doing every time.  

However, if you count cards, insurance is worth it in very specific instances where you know that there are a significant number of ten cards left in the deck. If you’re just starting with blackjack, be careful with these bets, but once you’re comfortable it‘s a good strategy to add to your game.

More Casino Tips

Blackjack is one of the most exciting casino games to play online but it certainly isn’t the only one. Know what is insurance in blackjack will help your game, but if you want even more tips keep reading! And always, if you want the best online casino experience, play here. Have fun and good luck!

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