Blackjack is one of the most popular casino games in the world. It’s easy to play and has a low house edge, which makes it a favorite among players. When playing blackjack, you have the option to take insurance.
Insurance is a side bet that can be made when the dealer has an Ace as their upcard. The question is, should you insure blackjack? In this article, we’ll explore the pros and cons of insuring blackjack.
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Pros of Insuring Blackjack:
- Protection – Insuring blackjack provides protection against the dealer having a natural 21. If you have a strong hand and the dealer has an Ace showing, taking insurance can protect your bet.
- Payout – If you win your insurance bet, it pays out at 2 to 1 odds. This means that if you bet $10 on insurance and win, you’ll receive $20.
Cons of Insuring Blackjack:
- Cost – The cost of insuring blackjack is half of your original bet. This means that if you bet $10 on your hand and decide to take insurance, it will cost you an additional $5.
- Likelihood – The likelihood of the dealer having a natural 21 is low.
PRO TIP:When it comes to playing blackjack, insurance should generally be avoided. Insurance bets are usually a bad bet with low odds, and the house edge for these bets is usually higher than the house edge for other bets. If you do decide to take insurance, make sure you understand the rules and odds of the game before you place your bet.
Statistically speaking, only four out of thirteen cards have a value of ten in a standard deck of cards. This means that there’s only around a 30% chance that the dealer will have a natural 21.
When You Should Insure Blackjack:
- If You Have Blackjack – If you have blackjack yourself, insuring your hand can protect your winnings. If the dealer also has blackjack, it will result in a push (tie) and your initial wager will be returned.
- If You Have A Strong Hand – If you have a strong hand and the dealer is showing an Ace, insuring your hand can help protect your bet. It’s important to note that a strong hand is considered 17 or higher.
When You Shouldn’t Insure Blackjack:
- If You Have A Weak Hand – If you have a weak hand and the dealer is showing an Ace, insuring your hand may not be worth it. The likelihood of the dealer having a natural 21 is low, so it’s better to focus on improving your hand rather than taking insurance.
- If The Dealer Is Showing A Ten – If the dealer is showing a ten as their upcard, insuring your hand is not recommended. The likelihood of the dealer having blackjack is low in this scenario.
In conclusion, whether or not you should insure blackjack depends on the situation. While insurance can offer protection against the dealer having a natural 21 and provide a payout if you win, it also comes at an additional cost. It’s important to consider your own hand and the dealer’s upcard before making the decision to insure blackjack.
