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Like splitting sevens in blackjack when the dealer has a six showing or doubling on a 10 against a dealer five. The only bet they print right on the blackjack layout, that the dealer always asks if you want, is insurance.
Nobody hypes insurance to do you a favor. It's high-profit for the house If the dealer draws ace-up, you can "take insurance" after the deal, before any hands are played. Bet up to half your original wager and win 2-to-1 if the dealer has blackjack. Some players, viewing these possibilities, conclude insurance is a good bet because three win, two lose, and one pushes. Others like insurance when they have blackjack to lock up a win, rather than win one way and tie the other.
Both analyses are what statisticians call "anecdotal" and the conclusions defy the laws of probability. What's wrong with it? Insurance, pure and simple, is a bet the hole card has a value. Using insurance to protect other bets doesn't alter this fact. So, in evaluating insurance, nothing else matters. If cards came from an infinite shoe, you'd average four values for every nine others.
This makes odds nine-to-four against the hole card being a For most purposes, the six and eight deck shoes dealt at most blackjack tables might as well be infinite. Is it ever good? Paid at 2-to-1, insurance would be a "fair" bet if for every four value cards there were eight others. You'd have the edge if there were fewer than eight others.
Card counters occasionally find shoes with high enough proportions of values to make insurance a good bet. Some non-counters in games with over five hands being dealt take insurance when only a few of the cards exposed in the deal are valued. The chance of a 10 in the hole is then above normal. Sumner A Ingmark, whose amusing schmoozing many players are using to keep from losing, put it thus: Unless a shoe is rich in tens Insurance ain't for denizens Of blackjack pits in gambling dens Recent Articles.