Skip to main content

Blackjack Insurance RuleThe Insurance Rule in Blackjack

You probably know this already, but when you have a two-card 21 in blackjack, it is the best hand you can have. That is, in fact, referred to as a “blackjack” and you are an automatic winner, except in those cases when the dealer has the exact same thing. In cases like that, it is a tie.

Depending on the rules of the blackjack game you’re playing, the dealer looks in the hole with an Ace showing, for purposes of revealing whether it is a ten, which would indeed make it a two-card 21, which ends the hand. The same thing can happen when the dealer has a ten-value card showing (a 10, Jack, Queen or King) because an Ace underneath will also create a two-card 21.

You’re going to have an option in these circumstances. In the online blackjack game, you will see the “insurance” icon, giving you an opportunity to exercise a side bet, allowing you to ensure your hand against instantly losing to the dealer’s two-card 21. You will then have to decide whether you’re going to do this or not. This decision comes before the dealer plays out the rest of the hand, or peeks underneath.

Top Blackjack Casino Sites in the US

Online casinoWelcome BonusPayout Rating Visit Site
One of the Best Slots site in America
1 Bovegas Casino
$6,000
98.21%
Play
Leading Fantasy Slots Casino Site
2 Cafe Casino
$5,500
99.21%
Play
User-friendly Casino Site!
3 Slots of Vegas Casino
$5,000
99.55%
Play
Great Payment Options
4 Lucky Red
$4,000
98.22%
Play
One of the New Slots Sites in the US!
5 irish Luck Casino
$3,000
98.10%
Play
6 Sun Palace Casino
$10,000
98.25%
Play
7 High Country Casino
500%
98.65%
Play
8 Red Dog Casino
$12,250
98.28%
Play
9 CryptoReels Casino
$4,500
98.55%
Play
10 All Star Slots Casino
$4,000
97.21%
Play
11 High Noon Casino
$2,000
98.43%
Play
12 Old Havana Casino
$3,000
99.55%
Play
13 Las Vegas Casino
$3,000
98.25%
Play
14 Cherry Gold Casino
$7,500
97.06%
Play
15 Diamond Reels Casino
$5,000
98.45%
Play
16 Roaring 21 Casino
$2,000
98.69%
Play
17 Platinum Reels Casino
$3,000
98.48%
Play
18 Wild Casino
$5,000
98.14%
Play
19 Vegas Crest Casino
$2,500
98.18%
Play
20 Cherry Jackpot Casino
200%
98.18%
Play
21 Big Spin Casino
$1,000
98.11%
Play
22 MYB Casino
$1,000
98.57%
Play
23 lincoln-casino
$1,000
97.43%
Play
24 Vegas2web Casino
$5,000
99.09%
Play
25 Ignition Casino
$1,000
98.22%
Play
26 Casino Max
$9,000
98.17%
Play
27 Aladdin's Gold Casino
$12,000
98.15%
Play
28 Liberty Slots Casino
$777
98.41%
Play
29 Bovada Casino
$3, 000
98.10%
Play
30 Gossip Slots Casino
$2, 000
98.10%
Play
31 Domgame Casino
300%
98.10%
Play
32 TwoUp Casino
275%
98.15%
Play
33 Royal Ace Casino
$1,000
97.72%
Play
34 Slotastic Casino
$5,000
97.72%
Play
35 Eclipse Casino
$2,000
98.22%
Play
36 Planet 7 Casino
$4,000
97.15%
Play
37 slots plus casino
$2,500
98.14%
Play
38 free spin casino
$2,500
98.14%
Play
39 Exclusive Casino
$3,000
98.22%
Play
40 Golden Lion Casino
$3,500
98.22%
Play
41 Slots.LV Casino
$5,000
98.01%
Play
42 Slotland Casino
$5,000
98.01%
Play
43 Manhattan Slots Casino
$5,000
98.01%
Play
44 Silver Oak Casino
$10,000
97.18%
Play
45 CoolCat Casino
300%
97.18%
Play
46 Grande vegas casino
$3,000
97.00%
Play
47 Buzz Luck Casino
$1,000
97.90%
Play
48 Jackpot Capital Casino
$1,000
97.10%
Play
49 Win a Day Casino
$5,000
99.10%
Play
50 Cryptoslots Casino
$1,110
99.10%
Play
51 XBet Casino
$3,000
98.10%
Play
52 MyBookie Casino
$2,000
95.10%
Play
53 Aussie Play Casino
$2,250
96.10%
Play
54 Slots Empire Casino
$2,220
97.10%
Play
55 Bingo Fest Casino
$2,250
97.12%
Play
56 Bingo Spirit Casino
$2,250
97.12%
Play
57 Cyber Bingo Casino
$2,250
97.19%
Play
58 Mega 7s Casino
$3,000
97.99%
Play
59 Lion Slots Casino
$1,000
97.99%
Play
60 Supernova Casino
$3,000
98.22%
Play
61 Betonline
$3,000
98.49%
Play
62 Tiger Gaming Casino
$1,000
98.11%
Play
63 Laromere Casino
$1,000
98.19%
Play
64 Og Palace Casino
$5,000
98.19%
Play
65 Grand Fortune Casino
250%
98.77%
Play
66 Dreams Casino
$2,000
98.71%
Play
67 Club Player Casino
450%
98.44%
Play
68 Palace of Chance Casino
200%
98.89%
Play
69 Wild Vegas Casino
350%
98.77%
Play
70 Ruby Slots Casino
250%
98.86%
Play
71 Prism Casino
350%
98.67%
Play
72 Raging Bull Casino
$2,500
98.18%
Play
73 Slots Madness Casino
300%
98.89%
Play
74 Captain Jack Casino
$11,000
98.66%
Play
75 Planet 7 Oz Casino
$50
98.82%
Play

How to Place the Insurance Bet

If you make the decision to take insurance, you’re going to click that icon. An amount equal to one-half of your original bet is placed in front of the hand you are playing. Don’t worry that your bet is difficult to divide in two; the program will do that for you. After that is done, the hole card is checked. If it is an instance where the dealer has 21, you are going to LOSE your original bet but WIN the insurance wager. The insurance bet pays off at 2-to-1 odds, which means that you break even on the hand.

If the dealer checks and there is not a card underneath that completes a two-card 21, you will LOSE the insurance bet and both sides will play out the rest of the hand as normal. You’ll make your playing decision as to what to do about your own hand, and you could actually wind up losing both your insurance bet and your original bet.

Is insurance a beneficial option for the player to use? Well, that is indeed a good question. On the surface it would seem so, as the disappointment of getting stopped before you even get started is mitigated a bit. However, you should take note that the odds against winning an insurance bet are 2.18-to-1, so with a payoff of 2-to-1, you are certainly getting “the worst of it.”

Check our other recommended blackjack guides: