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Here’s What You Should Know About Blackjack Insurance

Gambling is no different from any other speciality. Things change over time. Many things have changed since the advent of online casino games. Blackjack is one example of this.

In this blog, get ready to learn everything about Blackjack insurance.

Blackjack Insurance: What Does It Mean?

Insurance is a side wager that you may receive if the dealer’s up card is an Ace. Insurance is simply a wager that the dealer’s next hand will be worth 10. They make Blackjack. Why would you bet that the dealer’s hand will be Blackjack?

Insurance is commonly referred to as a hedge against dealer Blackjack. While it is true that players may use the earnings from this side wager to offset their main hand loss, there are more aspects to blackjack insurance than just a hedge.

Despite the clever marketing used back in land-based casinos, insurance is a separate bet and has no connection to your hand.

Blackjack insurance was created by casino bosses who loved the idea of introducing a side bet to a blackjack game. Name, payout structure, and betting were designed to appeal to players concerned about dealer blackjack.

Blackjack insurance comes with a price. There are many more outcomes than just breaking even. When you ask what insurance in blackjack means, it isn’t about protecting a hand or salvaging something from bad hands. This is a simple, standalone bet with odds of 2:1. The dealer’s second card will likely be a 10 or face card.

How does blackjack insurance Work?

Blackjack is an easy game. Get as close to 21 with your hand as possible without going bust.

Online blackjack is played by the player who always makes the first move. They can only guess if their hand is better than the dealers without complete information. The dealer’s up cards will help the player decide whether to hit, stand or double down.

Insurance is a side bet that allows players to stake half of their original wager against the dealer hitting natural blackjack. This refers to a hand with an Ace and a card, for a total of 21.

Only a dealer with an Ace can take out insurance. This will cause the table to flash on your computer screen, and you will be able to place your wager. If the dealer discloses 21, the insurance bet will be paid at 2/1.

Blackjack insurance: When should you get it?

Insurance can be very attractive for players if the dealer’s up card is an Ace. It is possible for their other card to have a value of 10, with a chance of almost one in three. If you’re not a skilled card counter, insurance could be a losing investment.

The dealer must have a 10 value card as his whole card. Expert card counters can keep track of the remaining cards and determine when enough money is available for insurance calls.

Blackjack’s Insurance Betting Advantages

After going through Blackjack’s insurance and how they work, we can now see the benefits of this bet. Let’s take a look at it:

  • If you play games with many decks, an insurance bet is a great option. This is the basic idea: The more decks you have, the more cards you will be able to access with a value greater than ten.
  • Another advantage to this bet? If you have access cards with a value greater than ten, your dealer has a higher chance of making a Blackjack.

Blackjack’s insurance gambling has its disadvantages

Blackjack insurance betting is just like any other thing in the world. Here are its disadvantages:

  • If you have a marginal hand of numbers 14 or 15, getting an insurance bet is slim. In such a situation, your only option is to focus on saving your original stake.
  • Another disadvantage to insurance betting is that a limited number of decks are available. This means that the odds can often be worse for the player than the dealer. The reason is that hedging insurance bets have an 8.5% chance if only one deck is used. This drops to 7.5% if multiple decks are used.

Potential Odds of Insurance Bets

To be safe, you must also be aware of the insurance betting odds. These are the odds you need to remember: Ironically, blackjack’s odds an insurance bet are almost always the same. It is important to remember that these odds are dependent on how many cards you play and the value of the ten-point scale.


Do not fall for the hype. Blackjack insurance isn’t a way of protecting anything. There’s no guarantee that you will. You should be aware of what you are getting into by knowing that you can get insurance while still losing your side bet and your main bet.

Blackjack’s low house edge is part of the reason it is so popular. However, it would help if you played well.  Side bets with higher house edges are not worth adding to the mix unless they offer greater fun and larger payouts (like the Perfect Pairs side bet). Although insurance doesn’t count on either of these counts, at least you have the information you need to decide.