How does insurance work in blackjack?

Alright, blackjack enthusiasts, let’s settle this—how exactly does insurance work, and is it ever worth taking?

So, here’s the deal: Insurance in blackjack is like a side bet you can make if the dealer’s face-up card is an Ace. You’re essentially betting that the dealer’s down card will be a 10-value card, giving them a blackjack. If you take insurance, you usually put up half your original bet. If the dealer does have blackjack, you get paid 2:1 on your insurance bet, which covers your initial loss. If not, you lose the insurance bet and keep playing your hand as usual.

Sounds simple, right? But here’s where it gets tricky. Statistically, insurance is a bad bet in the long run. It’s called the "sucker bet" by many pros because the odds rarely justify the payout. The dealer doesn’t land a blackjack often enough to make it profitable over time.

However, there are some exceptions. If you’re counting cards and know there’s a high concentration of 10s left in the deck, insurance might make sense. Otherwise, for most of us regular players, it’s probably best to skip it.

What do you think? Do you take insurance, or do you leave it to the risk-takers? Share your thoughts—I’d love to hear if anyone’s got a strategy that makes it work!
 
I tried taking insurance a few times early on, but yeah, it’s burned me more than helped. Unless you’re a pro at card counting, it’s not worth the half-bet gamble
 
I tried taking insurance a few times early on, but yeah, it’s burned me more than helped. Unless you’re a pro at card counting, it’s not worth the half-bet gamble
Nah, I leave it for the pros. For casual players like me, it’s just another way the casino chips away at your bankroll.
 
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