•BLACKJACK INSURANCE EXCEPTIONS
Summary
Blackjack insurance is generally not favorable to the player. The few exceptions relate to situations in which the deck is known to be tens rich. One example is card-counting, which is usually not applicable to online play. Another example is multi-hand play with a low number of decks and a large number of visible cards. If few 10-cards are visible in the dealt cards, then insurance may be favorable. More specific data is in the tables below. Insurance is favorable with 1 deck and 3 hands or 2 decks and 5 hands, if 1 or fewer tens are visible. Insurance is not favorable with 4 or more decks, regardless of number of visible 10-cards.
House Edge of Insurance Bet When Playing a Single Hand
| Number of 10-cards | 1 Deck | 2 Decks | 4 Decks | 8 Decks | Infinite Decks |
| No visible 10-cards | 2.04% | 4.95% | 6.34% | 7.02% | 7.69% |
| 1 visible 10-card | 8.16% | 7.92% | 7.80% | 7.75% | 7.69% |
| 2 visible 10-cards | 14.29% | 10.89% | 9.27% | 8.47% | 7.69% |
House Edge of Insurance Bet When Playing 3 Hands
| Number of 10-cards | 1 Deck | 2 Decks | 4 Decks | 8 Decks | Infinite Decks |
| No visible 10-cards | -6.67% | 1.03% | 4.48% | 6.11% | 7.69% |
| 1 visible 10-card | 0.00% | 4.12% | 5.97% | 6.85% | 7.69% |
| 2 visible 10-cards | 6.67% | 7.22% | 7.46% | 7.58% | 7.69% |
| 3 visible 10-cards | 13.33% | 10.31% | 8.96% | 8.31% | 7.69% |
| 4 visible 10-cards | 20.00% | 13.41% | 10.45% | 9.05% | 7.69% |
| 5 visible 10-cards | 26.67% | 16.49% | 11.94% | 9.78% | 7.69% |
| 6 visible 10-cards | 33.33% | 19.59% | 13.43% | 10.51% | 7.69% |
House Edge of Insurance Bet When Playing 5 Hands
| Number of 10-cards | 1 Deck | 2 Decks | 4 Decks | 8 Decks | Infinite Decks |
| No visible 10-cards | -17.07% | -3.23% | 2.54% | 5.19% | 7.69% |
| 1 visible 10-card | -9.76% | 0.00% | 4.06% | 5.93% | 7.69% |
| 2 visible 10-cards | -2.44% | 3.23% | 5.58% | 6.67% | 7.69% |
| 3 visible 10-cards | 4.88% | 6.45% | 7.11% | 7.41% | 7.69% |
| 4 visible 10-cards | 12.20% | 9.68% | 8.63% | 8.15% | 7.69% |
| 5 visible 10-cards | 19.51% | 12.90% | 10.15% | 8.89% | 7.69% |
| 6 visible 10-cards | 26.83% | 16.13% | 11.68% | 9.63% | 7.69% |
| 7 visible 10-cards | 34.15% | 19.35% | 13.20% | 10.37% | 7.69% |
| 8 visible 10-cards | 41.46% | 22.58% | 14.72% | 11.11% | 7.69% |
| 9 visible 10-cards | 48.78% | 25.81% | 16.24% | 11.85% | 7.69% |
| 10 visible 10-cards | 56.10% | 29.03% | 17.77% | 12.59% | 7.69% |
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