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The Complete Guide To Blackjack Insurance

Comparing the expected values of placing casino bets Winning the insurance bet while losing the main hand means the player still wins even money. If the dealer does not have blackjack, the insurance bet is lost and play continues normally. Typically, to take insurance you must bet at least half of your original wager on the hand (so you must put $10 on the insurance bet if your original wager was $20). When the player has blackjack they can also choose to take the insurance bet (called taking even money). When this happens, the hand is immediately over and the player is paid out an amount equal to their wager. While some players might swear by insurance, math does not. Insurance bets in all forms have a negative expected value (EV). In other words, when you make them repeatedly, you can expect to lose money in the long run. For comparison’s sake, let’s look at how the EV of the insurance bet in blackjack compares to other popular gambling bets : (the second column can be read as how much you expect to win or lose on average for every $1 you wager). As you’ll see, betting on a random number in roulette is actually a better buy than taking insurance in blackjack. Similarly, while taking even money is better than the regular insurance bet, not taking even money still gives you better chances of winning over the long-term.

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