Exploring the Insurance Option in Blackjack: Is It Worth the Risk?

Exploring the Insurance Option in Blackjack: Is It Worth the Risk?

Insuring your items of value, including your car, house, business, etc., helps secure yourself from future uncertainties. Do you also know you can insure in online gaming? Specifically, in the game of blackjack? It’s with the blackjack insurance, a bet type that could save you from losses.

Blackjack insurance, seen as a double-edged bet, still holds some relevance and impact within the game dynamics.

For those unfamiliar with or seeking clarification on blackjack insurance, this casino news article provides valuable insights and explanations. We will examine the ideal meaning of it, the rules that guide it, as well as its pros and cons. Read on!

Blackjack Insurance: Protecting You Against a Natural Blackjack

Blackjack is one of the most popular card casino games played worldwide. In blackjack, the goal is to get a hand value as close to 21 as possible without going over.

The blackjack insurance bet entails wagering a side bet that mitigates a player’s chance of losing against the dealer. The bet is usually placed on the assumption that the dealer has a ten-value card besides the ace.

Once the cards have been dealt equally among players, the dealer equally gets his or hers and, contrary to a double exposure fashion, one of the dealer’s cards is facing down.

It is pertinent to note that, either in live blackjack or in blackjack online, the entirety of the insurance bet is to guarantee that rather than have your bet go down the drain, perhaps the dealer’s card turns out as a blackjack, a certain percentage of winning can also be accrued to you to mollify your loss.

The amount used for wagering a side bet is always half the amount of your initial bet. And guess what? Insured bets are usually not mandatory. They are actually available in some variants or casinos, but not everywhere.

The Casino Canvas: Painting a Tapestry of Related Topics

Rules Associated With It

The following are the notable rules associated with blackjack insurance: 

  • The moment cards have been dealt, the dealer pushes a call by saying, “Insurance Open.” This draws the attention of any player who chooses to wager such a side bet.
  • If the dealer has a blackjack, players with an insurance bet receive a 2:1 payout on that side bet.
  • If the dealer doesn’t have a blackjack, players lose the insurance side bet but continue playing with their regular hand.
  • Assuming a player has a blackjack and wins the side bet, such a player gets paid with a 3:2 ratio.

Blackjack Insurance Odd and House Edge 

The odds for the dealer to own a blackjack in a regular game is tailored at 9:4, which is about 225%. Regardless if you’ve learned how to count cards in blackjack, the probability that the dealer has to edge you out is relatively high. Barely surprising why most people know blackjack insurance as a suckers bet.

On the other hand, the house edge has two structures concerning how this side bet works. The house edge dangles around 5.8% for a single deck of cards, while other blackjack variants like the American blackjack with 6-8 decks of cards have a house edge as high as 7.5%.

Knowing what is splitting in blackjack is equally vital, as it also increases your chances of a better game or a double chance to play against the dealer. This will enable you to separate your cards in more than one hand whenever you’ve been dealt with two valued-number cards.

To understand other blackjack terms and how to win this game, make sure to visit our American Casino Guides, and learn more about this exciting card game.

Pros and Cons of Blackjack Insurance

Just like every other thing, this side bet has its advantages and disadvantages. Let’s briefly check them out.


  • It safeguards a player’s initial bet: When players lose a side bet due to the dealer owning a blackjack, their initial bet remains alive.
  • Added payout. In instances when the dealer has no blackjack and a player uses the blackjack insurance, twice the amount of the side bet (insurance bet) is given to such a player.


  • Reduction in the effectiveness of player’s strategies: Fixation on blackjack insurance distracts player’s strategies. A player’s chance of winning stays higher when playing with basic strategies than relying solely on blackjack insurance.

Final Thoughts

While the insurance blackjack bet may sound like a fantastic idea, avoiding it is the real deal. Well, luck may find you when you place this bet, but in the long run, you take the spoils while the house takes the benefits. Playing with the basic strategies is best. That way, you can have your money accounted for and observe your strategies to ascertain their effectiveness.

Let’s roll and rock the world of blackjack together! Share your experiences on social media today!