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 Slots of Vegas Casino
$5,000
99.55%
Play
Leading Fantasy Slots Casino Site
2 High Country Casino
$5,000
98.65%
Play
User-friendly Casino Site!
3 Bovegas Casino
$6,000
98.21%
Play
Great Payment Options
4 irish Luck Casino
$3,000
98.10%
Play
One of the New Slots Sites in the US!
5 Lucky Red
$4,000
98.22%
Play
Best Online Casino for US Players
6 Lucky Tiger Casino
$2,600
98%
Play
7 Cafe Casino
$5,500
99.21%
Play
8 Lucky Hippo Casino
$3,000
97%
Play
9 Vegas Casino Online
$11,000
98.3%
Play
10 Rich Palms Casino
250%
96%
Play
11 Red Dog Casino
$12,250
98.28%
Play
12 Ruby Slots Casino
250%
98.86%
Play
13 Sun Palace Casino
$10,000
98.25%
Play
14 Cyber Spins Casino
100%
98%
Play
15 Wild Casino
$5,000
98.14%
Play
16 Old Havana Casino
$3,000
99.55%
Play
17 Sports and Casino.com
$3,000
96%
Play
18 Las Vegas Casino
$3,000
98.25%
Play
19 Cherry Gold Casino
$7,500
97.06%
Play
20 Diamond Reels Casino
$5,000
98.45%
Play
21 Roaring 21 Casino
$2,000
98.69%
Play
22 Platinum Reels Casino
$3,000
98.48%
Play
23 24VIP Casino
250%
96%
Play
24 Vegas Crest Casino
$2,500
98.18%
Play
25 Cherry Jackpot Casino
200%
98.18%
Play
26 Big Spin Casino
$1,000
98.11%
Play
27 MYB Casino
$1,000
98.57%
Play
28 lincoln-casino
$1,000
97.43%
Play
29 Vegas2web Casino
$5,000
99.09%
Play
30 Ignition Casino
$1,000
98.22%
Play
31 Casino Max
$9,000
98.17%
Play
32 Dreams Casino
$2,000
98.71%
Play
33 Liberty Slots Casino
$777
98.41%
Play
34 Bovada Casino
$3, 000
98.10%
Play
35 Superior Casino
250%
96%
Play
36 Domgame Casino
300%
98.10%
Play
37 TwoUp Casino
275%
98.15%
Play
38 Royal Ace Casino
$1,000
97.72%
Play
39 Slotastic Casino
$5,000
97.72%
Play
40 Eclipse Casino
$2,000
98.22%
Play
41 Planet 7 Casino
$4,000
97.15%
Play
42 slots plus casino
$2,500
98.14%
Play
43 free spin casino
$2,500
98.14%
Play
44 Exclusive Casino
$3,000
98.22%
Play
45 Golden Lion Casino
$3,500
98.22%
Play
46 Slots.LV Casino
$5,000
98.01%
Play
47 Slotland Casino
$5,000
98.01%
Play
48 Prism Casino
350%
98.67%
Play
49 Silver Oak Casino
$10,000
97.18%
Play
50 CoolCat Casino
300%
97.18%
Play
51 Grande vegas casino
$3,000
97.00%
Play
52 El Royale Casino
$2,750
96.5%
Play
53 Jackpot Capital Casino
$1,000
97.10%
Play
54 Win a Day Casino
$5,000
99.10%
Play
55 Cryptoslots Casino
$1,110
99.10%
Play
56 XBet Casino
$3,000
98.10%
Play
57 MyBookie Casino
$2,000
95.10%
Play
58 Aussie Play Casino
$2,250
96.10%
Play
59 Slots Empire Casino
$2,220
97.10%
Play
60 Bingo Fest Casino
$2,250
97.12%
Play
61 Bingo Spirit Casino
$2,250
97.12%
Play
62 Cyber Bingo Casino
$2,250
97.19%
Play
63 Mega 7s Casino
$3,000
97.99%
Play
64 Lion Slots Casino
$1,000
97.99%
Play
65 Supernova Casino
$3,000
98.22%
Play
66 Betonline
$3,000
98.49%
Play
67 Tiger Gaming Casino
$1,000
98.11%
Play
68 Laromere Casino
$1,000
98.19%
Play
69 Og Palace Casino
$5,000
98.19%
Play
70 Grand Fortune Casino
250%
98.77%
Play
71 Aladdin's Gold Casino
$12,000
98.15%
Play
72 Club Player Casino
450%
98.44%
Play
73 Palace of Chance Casino
200%
98.89%
Play
74 Wild Vegas Casino
350%
98.77%
Play
75 FreeSpins Land Casino
$50
96.2%
Play
76 Manhattan Slots Casino
$5,000
98.01%
Play
77 Raging Bull Casino
$2,500
98.18%
Play
78 Slots Madness Casino
300%
98.89%
Play
79 Captain Jack Casino
$11,000
98.66%
Play
80 Planet 7 Oz Casino
$50
98.82%
Play
81 Spinfinity Casino
$2,500
96%
Play
82 All Star Slots Casino
$4,000
97.21%
Play
83 High Noon Casino
$2,000
98.43%
Play
84 888 Tiger Casino
250%
96%
Play
85 Gossip Slots Casino
$2, 000
98.10%
Play
86 Buzz Luck Casino
$1,000
97.90%
Play
87 CryptoReels Casino
$4,500
98.55%
Play
88 DuckyLuck Casino
$2,500
97%
Play
89 Drake Casino
$6,000
98%
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: