A Detailed Guide to Online Live Blackjack Insurance

Nathan Williams
Written byNathan WilliamsWriter
Fact checked byClara McKenzieFact Checker
Localised byAria MitchellLocaliser

While most blackjack players view it as a necessary evil, others consider blackjack insurance a lifesaver when misfortune strikes. Therefore, it's safe to say that blackjack insurance is one of the most dividing topics in the gambling world. So, if you're still new to blackjack, this article will furnish you with all the details about blackjack insurance and why you should keep a safe distance. Read on!

A Detailed Guide to Online Live Blackjack Insurance

What is Blackjack Insurance?

Blackjack insurance is a side-bet given to players if the upcard of the dealer is an ace. As the name suggests, it acts as insurance if the dealer's hand is a 'blackjack.' Typically, an insurance wager is half the original bet and pays out 2 to 1. In other words, the maximum stake allowed is half the punter's main bet.

Also, the side bet is only complete after the dealer reveals his/her second card. If it's a king, queen, jack, or ten, the dealer can make a blackjack. In return, a player can win the insurance wager. If not, you may lose the insurance wager but can still win the original stake.

Blackjack Insurance Example

First and foremost, it's worth taking insurance if the blackjack you're playing allows the dealer to only stand on soft 17. Also, you must have 20, 19, or 18. Otherwise, your hand may not beat the dealer.

  • Imagine that you visit your favorite live online casino and place a $5 blackjack bet.
  • After that, you're dealt a nine or Jack of Hearts, and an ace is the dealer's upcard.
  • Now you decide to take $2.5 insurance, which is half your original bet.
  • Next, the dealer reveals ten as his/her second card. In return, the insurance bet will payout 2 to 1 and break even on your hand.

When It's Necessary to Take Insurance

Taking insurance during a blackjack game can be irresistible if an ace the dealer's upcard. There is a 1 to 3 probability that the subsequent card has a 10-value card in that case. But unless you're counting cards, it's not worth risking your hard-earned money on blackjack insurance. Mathematically, taking blackjack insurance will result in losses in the end.

You can generally win your insurance wager only if the dealer's hole card is a 10-value card. As said before, you must be an expert card counter to know for sure the amount remaining in the deck. So, if you're green about counting cards, stay away from this sucker bet.

Blackjack Insurance, Odds, Price, and House Edge

So, what are the blackjack insurance odds? The probability of a blackjack being dealt by the dealer when playing a regular table game is 9:4. However, the odds for a player to win an insurance wager aren't similar. They may vary depending on the number of decks and 10-point cards already dealt. In short, the odds are stuck against the punter.

When it comes to the price, the player can only win if the dealer's facedown card is a 10. In this case, the insurance payout is 1:1. If the player's hand is a blackjack, the payout is 3:2 or $3 for every two bets or 1.5 times the wager.

Lastly, a single deck blackjack insurance has a steep house edge of around 5.8%. But it's worth noting that you're likely to play modern blackjacks with 6 to 8 decks. In such cases, the house edge can hit 7.5%.

Blackjack Insurance: Final Advice

If you're an expert card counter, then blackjack insurance can be very profitable. Card counters have a rough idea of the number of 10-point cards remaining in a deck. Also, the payout is handsome if you already have a blackjack in hand. Bust, as said, the odds are always against the player. What's worse, taking insurance when playing multi-deck blackjacks will expose you to a painfully high house edge.

About the author
Nathan Williams
Nathan Williams

Nathan "KiwiKing" Williams brings a touch of Kiwi flair to the global live casino arena. Blending his analytical mind with an infectious passion for the game, he crafts content that guides, informs, and entertains.

Send mail
More posts by Nathan Williams

What is Insurance in Online Live Blackjack?

Insurance in online live blackjack is a side bet offered when the dealer's upcard is an Ace. It's a wager that the dealer has a blackjack, with a payout of 2:1 if the dealer does indeed have a blackjack.

When Should You Choose Insurance in Live Blackjack?

Choose insurance in live blackjack if you have a strong hand or if you're counting cards and the count is in your favor. Generally, it's advisable to be cautious with this bet as it can favor the house.

How Much Does Insurance Cost in Live Blackjack?

Insurance in live blackjack typically costs half of your original bet. If you bet $10 initially, the insurance bet would cost $5.

Can You Win Both Your Initial Bet and Insurance Bet in Live Blackjack?

Yes, you can win both bets in live blackjack. If the dealer has a blackjack and you also have a blackjack or a strong hand, you win the insurance bet and may push or win the original bet depending on your hand.

Is Insurance a Profitable Bet in Live Blackjack?

Insurance is often considered not profitable in the long run as it's a separate bet with its own odds. Statistically, the dealer is less likely to have a blackjack, making the insurance bet more favorable to the casino.

3 Card Baccarat Strategy

3 Card Baccarat Strategy

Most live casino players reading this article probably know Three-Card Poker more than Three-Card Baccarat. For those in the dark, it’s understandable because there are lots of casino games to play. Three-Card Baccarat is an exciting, fast-paced version of the classic baccarat game. It’s straightforward to learn, especially with the right guide. This post discusses the rules, strategies, and tips for playing Three-Card Baccarat. 

Are Online Live Casino Bonuses Traps or Free Betting Opportunities?

Are Online Live Casino Bonuses Traps or Free Betting Opportunities?

Almost all online live casinos offer players bonuses and other niceties these days. But as well as the online live casino bonuses, the jury is still out. Whereas casinos claim that these promotions give players free gaming opportunities, critics argue that bonuses are actually well-laid traps for players. So, after reading this post, you'll know whether the live casino bonuses are worth claiming or if they are merely baits. 

Augmented Reality in Live Dealer Casinos

Augmented Reality in Live Dealer Casinos

Augmented reality is taking the gaming world by storm, and live online casinos are no exception. Imagine sitting at your computer, yet feeling as though you've stepped right into a luxury casino in Las Vegas or Monte Carlo. Sounds thrilling, right? Augmented reality can make this possible, offering an immersive experience that brings the casino to you in a way that traditional online platforms simply can't. In this blog post, we'll delve into how this cutting-edge technology is reshaping live online casinos, enhancing player engagement and setting new standards for interactivity. Stick around to find out how augmented reality could be a game-changer.

Beginners Guide to Win at Table Games in a Live Casino

Beginners Guide to Win at Table Games in a Live Casino

Every gambler might know how unique and advanced a live casino is. Thanks to mobile casinos, live casino games can be easily accessed with a few clicks. So, not only does it provide the ultimate convenience, but it is easily accessible too.

Branded Chips You Can Find at Online Live Dealer Casinos

Branded Chips You Can Find at Online Live Dealer Casinos

Branded chips stand out as a fascinating and significant element. These chips are more than just tools for betting; they're a blend of art and functionality, adding a unique flavor to the gaming experience. For players, these chips can represent anything from a cherished collectible to a symbol of achievement, while for casinos, they're a way to elevate the brand and enrich the player's engagement. This article delves into the variations of branded chips, exploring their usage and the special role they play in the online live casino experience.

Comparing Popular Live Casino Game Shows

Comparing Popular Live Casino Game Shows

Welcome to the world of live casino game shows, where entertainment meets chance and you're in the front row! We're diving deep into the buzzing, colorful universe of these interactive games, breaking down what sets each one apart. From classics like Wheel of Fortune-style spins to innovative contests that defy categorization, this blog post will serve as your ultimate guide. We'll explore the ins and outs, offer some pro tips, and help you decide which games are worth your time and bets. Buckle up for an exciting exploration that could very well transform your live casino experience!

Exploring the Volatility of Online Live Casino Games

Exploring the Volatility of Online Live Casino Games

The concept of volatility plays a pivotal role in shaping player experience. Volatility determines the risk level and potential rewards of a game, making it a crucial aspect to consider before you start playing. This guide aims to explore the nuances of game volatility, from high-stake, high-reward options to games that offer a more stable but slower return. Understanding these dynamics can better prepare you for the various outcomes you might encounter. Stay tuned as we delve into this complex but vital aspect of live casino gaming.

Flat Betting System Guide

Flat Betting System Guide

The first trip to the casino is always an exciting and confusing one at the same time. For many beginners, it's about having fun and exploring the different varieties. But although entertainment should be the primary objective, winning some money should also be a priority. After all, live casino games only use real money.

Gambler Tips to Play at a Trusted Live Casino Online

Gambler Tips to Play at a Trusted Live Casino Online

Live casinos are becoming increasingly popular these days, offering players a more realistic gaming experience with real-life croupiers. These casinos allow gamers to connect and play at any time and from anywhere. However, with so many options available, finding a trustworthy live casino online can be a daunting task. So, what are the qualities of the best live casinos?

How Does an Online Live Casino Work?

How Does an Online Live Casino Work?

Live casinos have been rising in popularity for a while now. The casino has so much to offer that it might need to be clarified for some people to understand how it works. As live casinos feature live dealers, this option gives the user a unique and new experience. 

How to Behave When Using Live Casino Chat

How to Behave When Using Live Casino Chat

Ever find yourself at a virtual casino table, unsure of what to say in the live chat? You're not alone. Live chat is a key feature that brings the real casino experience straight to your screen, letting you interact with dealers and players in real time. But just like any social setting, there are unwritten rules of behavior. Knowing how to act in the live casino chat not only enhances your gaming experience but also keeps the atmosphere fun and respectful for everyone. Stick around to learn the do's and don'ts of live casino chat behavior.

How to Find The Best Live Casino Online?

How to Find The Best Live Casino Online?

Even though there are several other online game genres that people like playing, many people choose to play at live casinos. Considering that they are currently among the most widely used sources of entertainment. The platform is rapidly moving from offline to online casinos in terms of popularity. In the modern era of live casinos, which are equally dependable and convenient, they are not all that, unlike live, mobile, and online casinos.

How to Join a Live Casino

How to Join a Live Casino

Joining a live casino gives players the opportunity to enjoy gaming in a way that suits them. Many players do not have the time to visit a physical casino, or there may not be a casino facility within reach of their home. However, they still want to experience all the excitement this environment has to offer.

How to Not Go Broke at Online Live Dealer Casinos

How to Not Go Broke at Online Live Dealer Casinos

Players are always bound to make money management mistakes, whether playing in a land-based or online casino. But although it's okay to make gambling mistakes once or twice, learning from experience is critical. Note that live casino gambling entails using real money. So, any bankroll management mistake you make can lead to dire implications. 

How to Play Live Casino Blackjack 21

How to Play Live Casino Blackjack 21

Gamblers often play different games in a live casino, but is this the best approach? While it can be enjoyable, it's not the most effective way to play if you want to win. Playing multiple games at once can hinder your performance. So, what's the best way to play effectively? It's simple - choose a game from a live casino and learn how to play it well.

How to Play Live Casino Slots Online

How to Play Live Casino Slots Online

Live casinos are already famous due to the live dealer feature, which lets users enjoy the land-based casino experience. In live casinos, perhaps the most loved games are slots. They don't require much strategy, and anyone can play them. 

How to Properly Use Live Casino Bonuses

How to Properly Use Live Casino Bonuses

Live casino games are the real deal these days. They allow players to meet up and have fun under the watchful eyes of live croupiers. Also, they offer a vast collection of bonuses. Here, gamers get bonus money, cashback, tournament invitations, and more.

How to Read the Dealer’s Upcard in Live Blackjack

How to Read the Dealer’s Upcard in Live Blackjack

Live blackjack is all the rage in online live casinos these days. It brings you the thrill of the casino floor right to your screens, making every game a nail-biter. Now, here's a secret sauce to up your game: paying close attention to the dealer's upcard. This single card can provide essential clues on how to play your hand, potentially tipping the scales in your favor. If you're looking to level up your live blackjack experience, you're in the right place. This blog post will cover the art of reading the dealer's upcard to improve your winning chances. Stick around; you won't want to miss this.

How to Recognize Live Dealer Casino Game Addiction

How to Recognize Live Dealer Casino Game Addiction

Live dealer casino games can offer an enthralling experience, pulling you into a world of interactive gambling that closely mimics the real thing. However, the captivating nature of these games can also lead to addiction, impacting both your personal and financial well-being. In this blog post, we will discuss the signs and symptoms of live dealer game addiction, aiming to equip you with the knowledge you need to recognize problematic behavior. Whether you're a player or concerned about someone else, understanding the indicators can be the first step toward regaining control.

How to Thrive as an Online Live Blackjack Player

How to Thrive as an Online Live Blackjack Player

Today, most live online casinos can confirm that blackjack has made it to the list of the most-played online casino games. Gambling enthusiasts love the thrill that comes with playing this card game. To have maximum fun and win eventually, they should check out exceptional live online casinos that offer favorable terms and different variations or types of blackjack. That is not enough, though. Gamblers must also conduct extensive research to understand every single detail about blackjack. This helps them to know what to expect and come up with effective strategies to win. This blog post provides valuable information that could help ambitious gamblers thrive as blackjack players.

How to Win at Online Live Texas Hold'em Games | Guide for Beginners

How to Win at Online Live Texas Hold'em Games | Guide for Beginners

Texas Hold'em is not just a game – it's a phenomenon. Reigning as one of the most popular poker variants, it has captivated players worldwide, especially in the realm of online live casino sites. Its blend of strategy, skill, and a bit of luck makes it both challenging and thrilling. If you're new to this exciting world, stepping into online Texas Hold'em games can seem daunting. Fear not! This article is designed to guide beginners through the nuances of Texas Hold'em, offering essential strategies and tips to not just play the game but to excel at it. So, let’s shuffle up and deal with the basics of online live Texas Hold'em.

Hybrid Games – The Popularity of Live Casino Online Slots

Hybrid Games – The Popularity of Live Casino Online Slots

Hybrid casino games are transforming the gaming landscape by merging the best elements of traditional and online play. In this post, we will explore the unique characteristics that set hybrid games apart from their counterparts, including the innovation of online live casino slots. Not only do these games offer engaging experiences to players, but they also present exciting opportunities for developers. From understanding the benefits to recognizing the complexities, this comprehensive guide aims to provide insight into the thrilling world of online casino live games. Join us as we discover the future of this captivating trend. 

Live Casino Cashback Bonus – Is it Too Good to be True?

Live Casino Cashback Bonus – Is it Too Good to be True?

The live casino industry has grown tremendously. While credit must go to technological advancements like the internet and mobile phones, the live casinos themselves have played a vital role. They employ impressive marketing tactics to attract and keep players. At the top of the list is live casino bonuses. 

Live Dealer Baccarat Third Card Rules – Know When to Draw!

Live Dealer Baccarat Third Card Rules – Know When to Draw!

Casino Live Baccarat is a relatively straightforward game. Players simply choose a side to bet on – the Banker or Player side. Bettors can also predict a tie, although this bet rarely pays out. The objective is to choose a side that creates a hand value of 8 or 9 (natural) with the two dealt cards on each side.

Live Online Casino FAQ

Live Online Casino FAQ

If you're looking to get the scoop on live casino gaming, you're in the right place. This page is packed with answers to the most burning questions you might have. From how live casinos work to strategies and legality, we're here to shed light on it all. Maybe you're curious about the basics of live casino function or wondering what sets live dealer games apart from others. Whatever the topic, we've got you covered. Dive right in to get all the facts, clear up misconceptions, and gain the knowledge you need to elevate your iGaming experience.

Navigating Deposit Issues in Live Online Casinos

Navigating Deposit Issues in Live Online Casinos

Seamless deposit processes play a crucial role in player satisfaction. The ability to effortlessly fund your account not only ensures a smooth gaming experience but also builds trust in the platform. As players increasingly seek the thrill of live dealer games, understanding the nuances of deposit methods becomes vital. This guide dives into common deposit issues players may encounter and provides practical solutions. Whether you're a seasoned player or new to live online casinos, navigating deposit challenges is an essential skill. Let's explore how to manage these effectively for uninterrupted gaming enjoyment.

Picking American or European Roulette at a Live Dealer Casino

Picking American or European Roulette at a Live Dealer Casino

You might be curious about what version of the famous roulette game you should play at live dealer casino sites: American or European. While both of them share many similarities, their subtle differences can greatly impact your gaming experience. American Roulette features a double zero on the wheel, adding an extra element of excitement, while European Roulette sticks with the traditional single zero, offering different odds. Understanding these variations is crucial for players looking to make the most out of their online roulette sessions. This article will guide you through the nuances of each game, helping you decide which roulette wheel spins best for you.

RTP

RTP

RTP stands for "return to player," and it's a term that casino players should know about. Return to player measures how much money the casino will have returned from all bets put in by a player throughout their playing. In other words, it tells players what percentage of their bets goes back to them as winnings on average. For example, if a return to player is 98%, then out of every $100 wagered, the casino only keeps $2 and gives away $98 as winnings.

The Evolution of Live Dealer Studios

The Evolution of Live Dealer Studios

Live dealer casinos have transformed the way players perceive iGaming. In this post, we'll explore the evolution of live dealer studios, from their humble beginnings to the high-tech environments they've become. We'll look into the technological advancements that have shaped the industry, the role of professional live dealers, and the ever-increasing realism that captivates players around the globe. This guide offers an insightful journey through the best online live casino practices.

The Good and the Bad of Live Casino Side Bets

The Good and the Bad of Live Casino Side Bets

Live casino games are becoming irresistible these days. Apart from providing players with a traditional casino experience, these games also offer a lot more in terms of profitability, thanks to the myriad of side bets. But as enticing as they come, some live casino players avoid side bets altogether. Now, this begs the question: is using side bets a wise live casino strategy? Time to find out!

The Impact of Time Zones on Live Casino Traffic

The Impact of Time Zones on Live Casino Traffic

Have you ever thought about how the time on the clock affects your gaming experience? It turns out that time zones play a crucial role in determining when live casino tables are busy or when the pace is more relaxed. Players from all over the world log in to try their luck, which makes the live casino floors come alive at different hours. Knowing when the player traffic is high or low can help you strategize your gameplay better. In this article, we will delve into how time zones influence live casino traffic and its impact on you.

The Rise of Virtual Reality in Live Casinos

The Rise of Virtual Reality in Live Casinos

The landscape of online live casinos is undergoing a transformative shift with the integration of Virtual Reality (VR) technology. This cutting-edge innovation offers players an immersive experience that closely mimics the ambiance of physical casinos, all from the comfort of their own homes. The technology is elevating the level of engagement, interaction, and realism in live casino games, making it a compelling topic for both new and professional players. This blog post will discuss the rapid implementation of VR in live online casinos, its impact on game design and player experience, and what the future holds for this. Continue reading to learn a lot of new information.

Tips for Beginners on How to Participate in Live Game Shows

Tips for Beginners on How to Participate in Live Game Shows

Live game shows in online casinos have transformed the way we experience gaming, blending the thrill of traditional game shows with the interactive nature of online play. For beginners, these live game shows offer a unique blend of entertainment and opportunity, often with the added excitement of real-time interaction with a live host. Whether you're attracted by the glitz and glamour, the chance of winning, or simply the fun of participating, live game shows provide an accessible entry point into the world of online gambling. This article will guide you through essential tips to confidently participate in these dynamic and engaging games.

Top Live Casino Tips & Tricks

Top Live Casino Tips & Tricks

Many live casino players tend to be obsessed with the thought of money, and they can be forgiven for this. After all, who doesn't like money? However, becoming a successful professional live casino player should not be money-driven since live online casinos are not charitable organizations. In fact, anyone who ventures into playing games of skill (and games of luck) shouldn't do so out of a desire to accumulate riches; rather, they should always approach the art with love. And that's why most successful casino players start with picking the game(s) they love. Once they do that, they can come up with a strategy that would help them enjoy the best experience.

Top Tips for Live Casino Success

Top Tips for Live Casino Success

In this article, we delve into the realm of online live casino tips, offering you a wealth of knowledge to enhance your gaming experience. Whether you're new to the scene or a seasoned player, our carefully curated casino tips and tricks are designed to guide you on your journey to becoming a winner at live casino games. From mastering game strategies to understanding the nuances of live play, we'll provide you with all the tools you need to succeed. So, get ready to up your game and embrace the exciting opportunities that live casinos have to offer.

True or False? Debunking Common Live Casino Myths

True or False? Debunking Common Live Casino Myths

Let's talk about the myths surrounding online live casinos. You've probably heard a few: rigged games, impossible wins, and shady operators across the most popular. In today's post, we're cutting through the noise to set the record straight. Whether you're a casino veteran or a beginner, this text will equip you with the knowledge to navigate the live casino world without falling prey to common misconceptions. So, let's dive in and debunk some of the most popular myths out there. Trust us, you won't want to miss this.

Ways to Find Live Casino No Deposit Bonus Codes

Ways to Find Live Casino No Deposit Bonus Codes

Live casino no deposit bonus codes are like hidden gems in the online gaming world. They offer players a chance to experience real-time, interactive gaming without initial investment. These codes unlock bonuses that can be used in live dealer games, a major draw for enthusiasts who appreciate the thrill of a physical casino from the comfort of their homes. Finding these elusive codes, however, can be a bit of a treasure hunt. This article delves into various effective ways to unearth these codes, offering you a chance to elevate your live casino experience without straining your wallet.

What Side Bets Available at TriLux and Lightning Blackjack

What Side Bets Available at TriLux and Lightning Blackjack

TriLux and Lightning Blackjack are reshaping the online live dealer casino experience with their unique side bet options. These innovative blackjack variants not only offer the classic thrill of the game but also introduce exciting twists that can significantly enhance winnings. TriLux Blackjack, known for its engaging side bets based on poker-style hand combinations, and Lightning Blackjack, famous for its electrifying multipliers, both provide an extra layer of excitement. Whether you're a seasoned player or new to the world of online blackjack, understanding these side bets can unlock new levels of gameplay. Let's delve into what these games offer and how you can leverage these side bets to your advantage.

What are Live Casino Dealers in Live Casinos?

What are Live Casino Dealers in Live Casinos?

Live casinos are considered by many to be the best type of casinos available. While some may argue that mobile casinos are better, this is only true if they offer live casino games within their app. Live casinos have revolutionized the online gambling experience, allowing players to enjoy the excitement of land-based casinos from the comfort of their own homes.

What is Edge Sorting?

What is Edge Sorting?

Gamblers have been devising various strategies to beat live casinos ever since the first land-based one opened centuries ago. One such notable strategy is card counting, invented by Edward Thorp in the 1960s for blackjack. However, there are other working strategies out there, such as edge sorting, which was used by Phil Ivey to win big playing baccarat. But what exactly is edge sorting, and is it a legal strategy for gambling at the best live casinos? To find out the answers to these and many other questions, keep reading!

What is Gambler's Fallacy During Live Casino Play

What is Gambler's Fallacy During Live Casino Play

In the thrilling world of live online casino gaming, players often encounter various strategies and beliefs. One such concept, crucial yet often misunderstood, is the Gambler's Fallacy. It's a psychological phenomenon that can influence decision-making during a game. Essentially, it's the mistaken belief that past events can somehow predict or affect the outcome of future independent events. This article delves into the Gambler's Fallacy, exploring its impact on live casino play. Understanding this fallacy is key to making informed decisions and enjoying a more rational and potentially rewarding gaming experience in the dynamic atmosphere of live online casinos.

Which Game is Better: Live Blackjack or Live Roulette?

Which Game is Better: Live Blackjack or Live Roulette?

Live casinos are extremely convenient when it comes to playing online games. Players enjoy gaming in live casinos, but there has always been a debate about which game is better. The debate, most of the time, revolves around Live Roulette and Live Blackjack.