Insurance
- Input
- Dealer mostra Ás
- Expected output
- Recusar sempre (EV negativo)
Independent of your hand.
Carregando ferramenta… / Loading tool…
when to take blackjack insurance
When the dealer shows an Ace, the table offers "insurance": a side bet of up to half your original wager that pays 2:1 if the dealer has blackjack. It sounds like reasonable protection, but the math says otherwise for a player who is not counting cards.
Independent of your hand.
Depends on the table's surrender rule.
S17 ("stand on 17") means the dealer always stands on 17, even a "soft" 17 (with an Ace counting as 11, like Ace+6). H17 ("hit on 17") means the dealer hits that soft 17 instead. H17 is slightly worse for the player, it raises the house edge, because the dealer has more chances to improve the hand instead of stopping.
No, they are independent bets. Insurance is a side bet on whether the dealer has blackjack; surrender is forfeiting your own main hand for half the bet. You may have access to one, the other, both or neither, depending on the table.
Some tables offer "even money" in this case, paying 1:1 immediately instead of risking a push against the dealer's blackjack. Mathematically, this is equivalent to buying insurance on your own hand, and carries the same negative expected value as regular insurance.
Because, for the vast majority of players who are not counting cards, insurance is an extra, consistent source of profit for the house, the same reasoning behind any casino side bet.
Educational, math-based tool. Basic strategy lowers the house edge, but doesn't eliminate risk, blackjack is still a game of chance when real money is on the table.
Everything is computed in your browser, no rule, card or lookup is ever sent to a server.