Blackjack Insurance: Pros and Cons
Blackjack Insurance: Pros and Cons

Blackjack Insurance: Pros and Cons

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Blackjack insurance is an optional side bet offered when the dealer’s upcard is an Ace. Here’s a look at the pros and cons to help you decide whether to take insurance in blackjack:

Blackjack Insurance: Pros and Cons

Pros of Taking Insurance:

  1. Protection Against Dealer Blackjack:
    • The main rationale for taking insurance is to protect your initial bet if the dealer has a natural blackjack (Ace and a 10-value card). By taking insurance, you can potentially offset the loss of your original bet if the dealer indeed has a blackjack.
  2. Limited Risk:
    • Insurance bets are typically half the amount of your original bet. This means that even if you lose the insurance bet, you won’t lose as much as you would if the dealer has a blackjack and you didn’t take insurance.

Cons of Taking Insurance:

  1. Unfavorable Odds:
    • Statistically, the odds are not in favor of taking insurance. The payout for winning an insurance bet is typically 2:1, but the probability of the dealer having a blackjack is less than 1 in 3. This results in a negative expected value over the long term.
  2. Erosion of Winnings:
    • Taking insurance can erode your potential winnings over time. In situations where the dealer does not have a blackjack, you lose the insurance bet and potentially reduce your overall profits from the hand.
  3. Not Recommended by Basic Strategy:
    • Basic blackjack strategy, which is based on mathematical probabilities, generally advises against taking insurance. This strategy is designed to maximize your chances of winning based on the cards dealt and the dealer’s upcard.

When to Consider Taking Insurance:

  • Card Counting Advantage: Advanced blackjack players who practice card counting may sometimes find situations where the remaining deck is rich in 10-value cards. In such cases, the odds of the dealer having a blackjack increase, making insurance a more favorable option.


In most cases, taking insurance in blackjack is not recommended due to the unfavorable odds and negative expected value. It’s generally better to focus on playing according to basic strategy and managing your bets based on the cards dealt. By understanding the pros and cons of blackjack insurance, you can make informed decisions at the table that align with maximizing your long-term profitability and enjoyment of the game.

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