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Insurance in Blackjack
When you sit down to play a game of
Blackjack in a brick and mortar
casino or live on the Internet, the
table layout will generally be the
same. One word that you will see
displayed on the table is
"insurance".
Insurance is a protection bet when
the dealer is showing an ace as the
up card. When this happens the
dealer will ask you if you want to
take insurance. When you are
playing online in a casino like the
zero lounge a virtual voice
will speak to you and say,
"insurance."
Insurance is a side bet based on
the simple question, "does the
dealer have Blackjack or not?" The
insurance wager is separate from
your main wager on the outcome of
your hand. The premise is the
dealer has a 1 in 3 chance of
having a ten-value card unexposed
and thus making Blackjack. So the
player is given an option to insure
against the possibility that the
dealer will have Blackjack. The
player may add up to half of their
original wager to the insurance
bet.
Mathematically a player taking
insurance bets will lose money over
the long run. So why would a player
choose to even consider it? The
answer is variation. If a player's
main goal is to reduce variation in
any given session then they may
seek the insurance option. Anyone
with a
casino bonus should bear
this in mind.
Players with Blackjack may also
take insurance. When a player takes
this bet they are committing to win
an amount exactly equal to their
original ante, regardless of the
dealers cards but again these plays
are not advantageous to the player
in the long run.
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