King Casino Background

Blackjack Insurance – Everything You Need To Know

blackjack insurance

These days almost everything is insured! We have health insurance, auto insurance, and home insurance, but did you know there’s also a thing such as Blackjack insurance? Learning how to hit, stand, and split may be relatively simple in Blackjack, but insurance bets can get a little tricky. 

Like all insurances, Blackjack insurance offers a safety net against the casino dealer’s potential Blackjack. However, is this type of insurance worth getting? Is it simple enough to learn? Find out more in this detailed article on Blackjack insurance!

What is Insurance in Blackjack? 

Blackjack insurance doesn’t work like most other insurances. Insurance in Blackjack is a side bet you are offered if the dealer has an up-card that’s an Ace. This insurance is insurance against the dealer potentially getting the all-famous ‘Blackjack’ or 21.

Blackjack insurance is offered to the player before the dealer checks their hole card (this is the card that is face-down and not visible to you). If the dealer’s hole card has a value of 10, you will win your Blackjack insurance bet. You will lose your insurance bet if the dealer doesn’t have a Blackjack (21). The insurance bet in Blackjack typically pays out 2:1 and is usually half the value of your main bet.

If you are curious about some of the other terms you may encounter in Blackjack, then check out our article on Blackjack slang and terminology.  

How Does Blackjack Insurance Work? 

So, how does Blackjack insurance work? The first thing to know is that there’s only one time Blackjack insurance comes into play – when the live dealer’s up-card is an Ace. This insurance bet consists of you placing a side bet that the dealer will get a Blackjack and beat you. 

In Blackjack insurance, you can wager half of your original bet. If the dealer’s face-down card has a value of 10, you will win your live Blackjack insurance but lose the original bet you placed. This ensures you keep half the amount of your original bet as insurance. But, if you lose, you will lose both your initial bet and your Blackjack insurance bet. 

Blackjack Insurance Examples 

We are going to provide you with two Blackjack insurance examples below. The first example is winning the Blackjack insurance, whereas the second one is an example of losing it:

  • When you win insurance in Blackjack
  1. You place a bet for £20 on Blackjack.
  2. The cards you get dealt are a J and a 9 (total of 19).
  3. The dealer’s up-card (first card) is an A, activating the possibility of Blackjack insurance.
  4. You take insurance for an additional £10 (half the value of your initial bet).
  5. The dealer’s second card is a 10-point card, making them get a Blackjack.
  6. You win the insurance but lose your initial bet. The final result is that you break-even. 
  • When you lose insurance in Blackjack
  1. You start by placing a bet of £20 on Blackjack.
  2. The 2 cards you are dealt are a J and a 9 (total of 19).
  3. The dealer’s up card is an A, which activates the possibility of Blackjack insurance. 
  4. Now, you take the Blackjack insurance for an additional £10.
  5. However, the dealer’s second card is a 9, so they don’t get a Blackjack (20).
  6. In this example, you lose both your initial and insurance bet. In total, you lose £30. 

When Should You Take Insurance in Blackjack? 

So, when should you take insurance in Blackjack? More experienced players may tell you that the best time to do so is when the dealer’s first card is an A, and your hand has a decent total of 15 or higher. This means that even if you lose the insurance bet, your chance of winning the round with your initial bet may be relatively high. Hence, it could be a good time to take the Blackjack insurance on such a hand. 

Statistically, the dealer’s odds of potentially hitting a Blackjack are 9:4. For the insurance bet to work, the dealer has to hit another 10-point card as their hole card, and theoretically, the odds of that happening are around 30.8%.

blackjack insurance bet

Is Blackjack Insurance Worth It? 

As with most real money casino games, not every hand in Blackjack is the same, so it may be difficult to decide if Blackjack insurance is worth it or not based on a few hands. However, if you utilise it in a calmly thought-out strategy, it could potentially be of benefit to new and experienced players. 

The probability suggests that once the dealer has an A, there’s only around a 30.8% chance of them getting a second number with a 10-point value. Whereas that’s not more than 50%, it’s still a one-third chance; hence Blackjack insurance could come in handy from time to time. 

However, using Blackjack insurance repeatedly in the long term could cost you, as many experienced players have pointed out. That’s because even the 30.8% chance of the dealer hitting a 10-point card the second time varies! You see, this 30.8% assumes that there are still 16 remaining 10-point cards for the dealer to turn over. If the game has been going on, the number of 10-point cards may have decreased already, so it’s important to keep in mind that this is not always the case as games can vary.

If you wish to put this new knowledge to the test, you can play Blackjack at King Casino. We have a wide variety of top blackjack games, such as the following titles: 

Join King Casino to access these exciting casino games and more, and if you are eager to learn more about Blackjack, check out our article on Blackjack card shuffling.

blackjack insurance

These days almost everything is insured! We have health insurance, auto insurance, and home insurance, but did you know there’s also a thing such as Blackjack insurance? Learning how to hit, stand, and split may be relatively simple in Blackjack, but insurance bets can get a little tricky. 

Like all insurances, Blackjack insurance offers a safety net against the casino dealer’s potential Blackjack. However, is this type of insurance worth getting? Is it simple enough to learn? Find out more in this detailed article on Blackjack insurance!

What is Insurance in Blackjack? 

Blackjack insurance doesn’t work like most other insurances. Insurance in Blackjack is a side bet you are offered if the dealer has an up-card that’s an Ace. This insurance is insurance against the dealer potentially getting the all-famous ‘Blackjack’ or 21.

Blackjack insurance is offered to the player before the dealer checks their hole card (this is the card that is face-down and not visible to you). If the dealer’s hole card has a value of 10, you will win your Blackjack insurance bet. You will lose your insurance bet if the dealer doesn’t have a Blackjack (21). The insurance bet in Blackjack typically pays out 2:1 and is usually half the value of your main bet.

If you are curious about some of the other terms you may encounter in Blackjack, then check out our article on Blackjack slang and terminology.  

How Does Blackjack Insurance Work? 

So, how does Blackjack insurance work? The first thing to know is that there’s only one time Blackjack insurance comes into play – when the live dealer’s up-card is an Ace. This insurance bet consists of you placing a side bet that the dealer will get a Blackjack and beat you. 

In Blackjack insurance, you can wager half of your original bet. If the dealer’s face-down card has a value of 10, you will win your live Blackjack insurance but lose the original bet you placed. This ensures you keep half the amount of your original bet as insurance. But, if you lose, you will lose both your initial bet and your Blackjack insurance bet. 

Play Slots & Online Casino Games at King Casino

loading Big Bass Bonanza
Big Bass Bonanza Play
loading Book of Dead
Book of Dead Play
loading Gold Blitz Extreme
Gold Blitz Extreme Play
loading King Kong Cash Even Bigger Bananas 2
King Kong Cash Even Bigger Bananas 2 Play
loading Big Bass Splash
Big Bass Splash Play
loading Kingfisher
Kingfisher Play
loading Fishin Frenzy The Big Catch
Fishin Frenzy The Big Catch Play
loading Golden Winner
Golden Winner Play
loading Starburst
Starburst Play
loading 333 Fat Frogs
333 Fat Frogs Play
loading Wolf Gold
Wolf Gold Play
loading Cash Volt
Cash Volt Play
loading Wild West Bandits
Wild West Bandits Play
loading Mighty Fish Blue Marlin
Mighty Fish Blue Marlin Play
loading 12 Masks of Fire Drums
12 Masks of Fire Drums Play
loading Legacy of Dead
Legacy of Dead Play
loading Big Piggy Bank
Big Piggy Bank Play
loading Buffalo Hold and Win Extreme
Buffalo Hold and Win Extreme Play
loading Le Pharaoh
Le Pharaoh Play
loading King Kong Cash Even Bigger Bananas
King Kong Cash Even Bigger Bananas Play
loading Championship Fortunes
Championship Fortunes Play
loading Coin Fever
Coin Fever Play
loading Immortal Romance 2
Immortal Romance 2 Play
loading Primate King Megaways
Primate King Megaways Play
loading Le Bandit
Le Bandit Play
loading Rising Rewards
Rising Rewards Play
loading Fluffy Favourites
Fluffy Favourites Play
loading King Kong Cash Even Bigger Bananas JPK
King Kong Cash Even Bigger Bananas JPK Play
loading Chicken Burst
Chicken Burst Play
loading Cops n Robbers Big Money
Cops n Robbers Big Money Play
loading More Unusual Suspects
More Unusual Suspects Play
loading Immortal Romance
Immortal Romance Play
loading Rome Fight For Gold Deluxe
Rome Fight For Gold Deluxe Play
loading Mighty Wild Panther Grand Gold Edition
Mighty Wild Panther Grand Gold Edition Play
loading Fishin Frenzy Even Bigger Catch
Fishin Frenzy Even Bigger Catch Play
loading 2 Wild 2 Die
2 Wild 2 Die Play
loading Rainbow Jackpots
Rainbow Jackpots Play
loading Majestic Wild Buffalo
Majestic Wild Buffalo Play
loading Boat Bonanza Colossal Catch
Boat Bonanza Colossal Catch Play
loading Captains of the Coast
Captains of the Coast Play
loading Dark Waters Power Combo
Dark Waters Power Combo Play
loading Eye of Horus
Eye of Horus Play
loading Hot Slot 777 Cash Out
Hot Slot 777 Cash Out Play
loading Erics Big Catch
Erics Big Catch Play
loading Power of Gods Hades
Power of Gods Hades Play
loading Mega Don Feeding Frenzy
Mega Don Feeding Frenzy Play
loading Sizzling 777 Deluxe
Sizzling 777 Deluxe Play
loading Book of Jones Golden Book
Book of Jones Golden Book Play
loading 25 Coins
25 Coins Play
loading Wild Wild Bass 3
Wild Wild Bass 3 Play
loading Rich Wilde and the Tome of Madness
Rich Wilde and the Tome of Madness Play
loading Wild Hogs
Wild Hogs Play
loading 9 Bells
9 Bells Play
loading Piggy Blitz
Piggy Blitz Play
loading Mustang Gold
Mustang Gold Play
loading Gold Blitz
Gold Blitz Play
loading Mining Pots of Gold
Mining Pots of Gold Play
loading Mighty Wild Panther
Mighty Wild Panther Play
loading 9 Coins Grand Platinum Edition
9 Coins Grand Platinum Edition Play
loading Fishin Pots of Gold Gold Blitz
Fishin Pots of Gold Gold Blitz Play
loading Chaos Crew 2
Chaos Crew 2 Play

Blackjack Insurance Examples 

We are going to provide you with two Blackjack insurance examples below. The first example is winning the Blackjack insurance, whereas the second one is an example of losing it:

  • When you win insurance in Blackjack
  1. You place a bet for £20 on Blackjack.
  2. The cards you get dealt are a J and a 9 (total of 19).
  3. The dealer’s up-card (first card) is an A, activating the possibility of Blackjack insurance.
  4. You take insurance for an additional £10 (half the value of your initial bet).
  5. The dealer’s second card is a 10-point card, making them get a Blackjack.
  6. You win the insurance but lose your initial bet. The final result is that you break-even. 
  • When you lose insurance in Blackjack
  1. You start by placing a bet of £20 on Blackjack.
  2. The 2 cards you are dealt are a J and a 9 (total of 19).
  3. The dealer’s up card is an A, which activates the possibility of Blackjack insurance. 
  4. Now, you take the Blackjack insurance for an additional £10.
  5. However, the dealer’s second card is a 9, so they don’t get a Blackjack (20).
  6. In this example, you lose both your initial and insurance bet. In total, you lose £30. 

When Should You Take Insurance in Blackjack? 

So, when should you take insurance in Blackjack? More experienced players may tell you that the best time to do so is when the dealer’s first card is an A, and your hand has a decent total of 15 or higher. This means that even if you lose the insurance bet, your chance of winning the round with your initial bet may be relatively high. Hence, it could be a good time to take the Blackjack insurance on such a hand. 

Statistically, the dealer’s odds of potentially hitting a Blackjack are 9:4. For the insurance bet to work, the dealer has to hit another 10-point card as their hole card, and theoretically, the odds of that happening are around 30.8%.

blackjack insurance bet

Is Blackjack Insurance Worth It? 

As with most real money casino games, not every hand in Blackjack is the same, so it may be difficult to decide if Blackjack insurance is worth it or not based on a few hands. However, if you utilise it in a calmly thought-out strategy, it could potentially be of benefit to new and experienced players. 

The probability suggests that once the dealer has an A, there’s only around a 30.8% chance of them getting a second number with a 10-point value. Whereas that’s not more than 50%, it’s still a one-third chance; hence Blackjack insurance could come in handy from time to time. 

However, using Blackjack insurance repeatedly in the long term could cost you, as many experienced players have pointed out. That’s because even the 30.8% chance of the dealer hitting a 10-point card the second time varies! You see, this 30.8% assumes that there are still 16 remaining 10-point cards for the dealer to turn over. If the game has been going on, the number of 10-point cards may have decreased already, so it’s important to keep in mind that this is not always the case as games can vary.

If you wish to put this new knowledge to the test, you can play Blackjack at King Casino. We have a wide variety of top blackjack games, such as the following titles: 

Join King Casino to access these exciting casino games and more, and if you are eager to learn more about Blackjack, check out our article on Blackjack card shuffling.