Insurance in Blackjack

Insurance in Blackjack

Insurance in blackjack is a side bet that wins if the dealer has a blackjack. It costs half the player’s original wager and pays two to one if it wins.

This bet increases the house edge and is never a good idea for players. However, there are some situations where it is worth considering.



When playing blackjack, you can make additional payouts by betting on insurance. The casino offers this bet in order to offset the loss of your initial bet if the dealer has blackjack. However, it is generally considered a sucker’s bet. Unless you are counting cards and have determined that the count shows more 10 point cards than lower ones, it is not a good idea to place an insurance bet. It has a negative expected value, which means that it will lose you money over time. It also increases the house edge, which is detrimental to your profits. This is one of the reasons that many experts recommend against taking insurance.


Blackjack rules vary widely from casino to casino, and these variations may affect payouts. Some of the most common differences include different payouts on naturals, not checking the hole card on insurance bets, and restrictions on splitting or doubling. Whether these differences make a difference in your bankroll depends on how much you risk and how good your counting skills are.

The casino’s edge on insurance bets is higher than the odds of the dealer having a blackjack, so taking out this side bet will cost you money over time. Furthermore, the insurance bet must win for you to break even. Therefore, it will only be profitable if you are certain that the dealer has a blackjack and you are willing to lose your initial bet.

Odds of winning

Insurance in blackjack is a losing bet and should only be made when you are certain that the dealer has a Blackjack. Even then, it is a gamble and not a surefire way to make a profit. In addition, it is expensive because you are betting on something that is not in your control. Dealers often offer insurance because their supervisors instruct them to do so.

The odds of the dealer having a Blackjack are less than one-third of the odds that you have a blackjack, and taking insurance will compound your losses by more than 50%. In addition, the house edge on this bet is higher than the house edge for your main wager, so it will lose you money over time.

The best option for you is to reject the insurance bet and win the round on a 3:2 payout. You can then withdraw from the table with EUR200 in profit. Alternatively, you can accept the insurance bet and lose the round on a 2:1 payout 카지노사이트.


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