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Insurance essentially is a bet on whether or not the dealer has 21 right off of the deal, and requires players to lay half their initial wagers. If the dealer has 21, the house will pay the insurance bets at That payoff will wipe out the loss from the initial wager.
If the dealer does have 21, the player will lose the initial bet but will receive a payout on their insurance amount, and so they will receive that same amount back.
If both have 21, most blackjack rules say that is a push. Some casino 21 rules, though, give ties to the dealer when it comes to a blackjack.
In most cases, though, a push results in the player getting back his or her wager. If the dealer does not have blackjack, anyone who bought insurance will lose that amount, regardless how the rest of the hand plays out.
It is important to note that players have a variety of options to choose from after their first two cards are dealt.
The decisions they make should take into account the cards held by other players at the table, as well as the dealer. In most cases, a player normally stands when the point value of their cards is between 16 and If a dealer has less than 17, they must continue drawing cards until they reach 17 or above, without going over If the scores of the player and the dealer are equal, the player receives their original bet back, and this is a push.
Should the dealer bust or go over 21 at any point, all the players at the table will win and receive a payout. Any player who had blackjack would have already been paid out at least during the round and as much as Depending on the casino, some will let players cut their losses by surrendering half their bets after the initial deal.
The Late Surrender is more often found at blackjack tables. This version of blackjack rules allows the player to forfeit his bet only after the dealer checks his hole card for a Blackjack.
NB: It is important to know that the Insurance and Even money bets are the ones recommended to ignore as they are the extra source of house edge.
Whereas the Surrender option allows the player to control the game and get at least half of the money back on losing bets. Home Blackjack Rules.
Basic Blackjack Rules Blackjack is a card game played between a player and a dealer. How to Play Blackjack Learn how to play blackjack game with the help of easy step-by-step video tutorial.
TOP 3 US blackjack casinos Cards are dealt one per round, so the dealer makes two rounds. In shoe games, players get their cards dealt face-up, while in hand-held games they're dealt face-down.
One of the dealer's cards is dealt face-up, one face-down. Players' turn: After the first two cards have been dealt, the players got options which have been explained above.
The dealer's turn: After all the players have made their decisions, it's the dealer's turn to act unless all the players have already busted, in which case the dealer automatically wins.
Win: You can win at blackjack by having a higher score than the dealer up to The two hands are thus treated separately, and the dealer settles with each on its own merits.
With a pair of aces, the player is given one card for each ace and may not draw again. Also, if a ten-card is dealt to one of these aces, the payoff is equal to the bet not one and one-half to one, as with a blackjack at any other time.
Another option open to the player is doubling their bet when the original two cards dealt total 9, 10, or When the player's turn comes, they place a bet equal to the original bet, and the dealer gives the player just one card, which is placed face down and is not turned up until the bets are settled at the end of the hand.
With two fives, the player may split a pair, double down, or just play the hand in the regular way. Note that the dealer does not have the option of splitting or doubling down.
When the dealer's face-up card is an ace, any of the players may make a side bet of up to half the original bet that the dealer's face-down card is a ten-card, and thus a blackjack for the house.
Once all such side bets are placed, the dealer looks at the hole card. If it is a ten-card, it is turned up, and those players who have made the insurance bet win and are paid double the amount of their half-bet - a 2 to 1 payoff.
When a blackjack occurs for the dealer, of course, the hand is over, and the players' main bets are collected - unless a player also has blackjack, in which case it is a stand-off.
Insurance is invariably not a good proposition for the player, unless they are quite sure that there are an unusually high number of ten-cards still left undealt.
A bet once paid and collected is never returned. Thus, one key advantage to the dealer is that the player goes first.
If the player goes bust, they have already lost their wager, even if the dealer goes bust as well. If the dealer goes over 21, the dealer pays each player who has stood the amount of that player's bet.
If the dealer stands at 21 or less, the dealer pays the bet of any player having a higher total not exceeding 21 and collects the bet of any player having a lower total.
If there is a stand-off a player having the same total as the dealer , no chips are paid out or collected. When each player's bet is settled, the dealer gathers in that player's cards and places them face up at the side against a clear plastic L-shaped shield.
If he does, your insurance is paid 2 to 1 but your original bet is lost meaning you break even for the hand.
If he does not have Blackjack, you lose your insurance. If you have Blackjack and the dealer has an ace showing, the dealer will offer you even money for your Blackjack instead of 3 to 2.
If you do not take it and the dealer also has Blackjack, you will have a push just like normal. For late surrender, however, while it is tempting to opt for surrender on any hand which will probably lose, the correct strategy is to only surrender on the very worst hands, because having even a one in four chance of winning the full bet is better than losing half the bet and pushing the other half, as entailed by surrendering.
In most non-U. With no hole card, it is almost never correct basic strategy to double or split against a dealer ten or ace, since a dealer blackjack will result in the loss of the split and double bets; the only exception is with a pair of aces against a dealer 10, where it is still correct to split.
In all other cases, a stand, hit or surrender is called for. For instance, holding 11 against a dealer 10, the correct strategy is to double in a hole card game where the player knows the dealer's second card is not an ace , but to hit in a no hole card game.
The no hole card rule adds approximately 0. The "original bets only" rule variation appearing in certain no hole card games states that if the player's hand loses to a dealer blackjack, only the mandatory initial bet "original" is forfeited, and all optional bets, meaning doubles and splits, are pushed.
Each blackjack game has a basic strategy , which prescribes the optimal method of playing any hand against any dealer up-card so that the long-term house advantage the expected loss of the player is minimized.
An example of a basic strategy is shown in the table below, which applies to a game with the following specifications: . The bulk of basic strategy is common to all blackjack games, with most rule variations calling for changes in only a few situations.
For example, to use the table above on a game with the stand on soft 17 rule which favors the player, and is typically found only at higher-limit tables today only 6 cells would need to be changed: hit on 11 vs.
A, hit on 15 vs. A, stand on 17 vs. A, stand on A,7 vs. Regardless of the specific rule variations, taking insurance or "even money" is never the correct play under basic strategy.
Estimates of the house edge for blackjack games quoted by casinos and gaming regulators are generally based on the assumption that the players follow basic strategy and do not systematically change their bet size.
Most blackjack games have a house edge of between 0. Casino promotions such as complimentary match play vouchers or blackjack payouts allow the player to acquire an advantage without deviating from basic strategy.
Basic strategy is based upon a player's point total and the dealer's visible card. Players may be able to improve on this decision by considering the precise composition of their hand, not just the point total.
For example, players should ordinarily stand when holding 12 against a dealer 4. However, in a single deck game, players should hit if their 12 consists of a 10 and a 2.
The presence of a 10 in the player's hand has two consequences: . However, even when basic and composition-dependent strategy lead to different actions, the difference in expected reward is small, and it becomes even smaller with more decks.
Using a composition-dependent strategy rather than basic strategy in a single deck game reduces the house edge by 4 in 10,, which falls to 3 in , for a six-deck game.
Blackjack has been a high-profile target for advantage players since the s. Advantage play is the attempt to win more using skills such as memory, computation, and observation.
These techniques, while generally legal, can be powerful enough to give the player a long-term edge in the game, making them an undesirable customer for the casino and potentially leading to ejection or blacklisting if they are detected.
The main techniques of advantage play in blackjack are as follows:. During the course of a blackjack shoe, the dealer exposes the dealt cards.
Careful accounting of the exposed cards allows a player to make inferences about the cards which remain to be dealt. These inferences can be used in the following ways:.
A card counting system assigns a point score to each rank of card e. When a card is exposed, a counter adds the score of that card to a running total, the 'count'.
Note that you are allowed to split any valued cards, so you could split a Jack, Queen hand. However, this is usually a bad play.
Keep the You will make more money on the pat 20 than you will trying to make two good hands from it. Not convinced? Another oddity comes when splitting Aces.
Splitting Aces is a very strong player move so the casino limits you to drawing only one additional card on each Ace. Also, if you draw a ten-valued card on one of your split Aces, the hand is not considered a Blackjack, but is instead treated as a normal 21, and therefore does not collect a payoff.
With all these limitations, you may wonder whether it makes sense to split Aces. The answer is a resounding YES.
Always split Aces. For accurate advice on what other pairs you should split, consult the Blackjack Basic Strategy Engine. If you want to win at Blackjack, you will eventually need to learn basic strategy from a basic strategy chart or play the interactive strategy trainer.
However, there are some quick rules and tips that you can learn as a beginner to decrease the house edge and formulate a strategy.
Remember there are more 10 value cards 10, J, Q, K than any other cards in the deck—so when a 10 will get you close to 21 and you are against a card that is bad for the dealer, you should double.
A player 9, 10, or 11 would always be a good double when a dealer is showing a 3, 4, 5, or 6. This is because the 3, 4, 5, and 6 are starting cards that are more likely to make a dealer bust.
The Ace is such a powerful card because pulling a 10 on a split will give you a Even though a 21 gained through a split is still only paid , it is a very advantageous situation.
Two fives total 10—which is a hand much better suited for doubling. Insurance in blackjack is often misunderstood by players, and is a big money-maker for casinos.
Naming this side-bet "insurance" was a brilliant marketing ploy, and some otherwise solid players will frequently make this bad bet to "insure" when they have a good hand.
But actually, insurance is not always a bad bet. For players who can recognize when the remaining deck is rich in ten-valued cards, this can actually be a profitable side-bet.
Insurance is a proposition bet that is available only when the dealer's upcard is an Ace. When the dealer turns up an Ace, he will offer "Insurance" to the players.
Insurance bets can be made by betting up to half your original bet amount in the insurance betting stripe in front of your bet. The dealer will check to see if he has a value card underneath his Ace, and if he does have Blackjack, your winning Insurance bet will be paid at odds of You will still lose your original bet unless you also have a Blackjack , so the net effect is that you break even assuming you bet the full half bet for insurance.
This is why the bet is described as "insurance", since it seems to protect your original bet against a dealer blackjack. Of course, if the dealer does not have blackjack, you'll lose the insurance bet, and still have to play the original bet out.
Insurance is simply a side-bet offering odds that the dealer has a valued card underneath their Ace. Not surprisingly, the casino has a substantial edge on this bet.
In a single deck game, there are 16 ten-valued cards. Assuming that you don't see any other cards, including your own, the tens compose 16 out of 51 remaining cards after the dealer's Ace was removed.
That creates a 5. It's even worse in six decks with a 7. Card counters can still beat the insurance bet, by only making the bet when they know that more than one-third of the remaining cards are tens.
Unless you are card counter and know the deck is skewed sufficiently, just ignore the insurance bet.
It doesn't matter whether you have a good hand or a bad hand. If you have a blackjack when the dealer turns up an Ace, he is likely to offer you "even money" instead of the insurance bet.
If you accept, the dealer will pay you the amount of your original bet and discard your hand of blackjack, before he even checks under his Ace to see if he has a blackjack as well.
Many players think this sounds like a good deal, guaranteeing a profit even if the dealer has a blackjack. But that guaranteed profit comes at a price.
Let me show you how it works:. So, casinos allow you to eliminate the insurance bet altogether, and simply declare that you want "even money" for your blackjack when the dealer has an Ace showing.
The problem is that you are still making a bad bet on insurance, which costs you money. A player who does not count cards should simply never take the insurance bet, even the "even money" variety.
Some games offer the player a chance to fold their hand, and forfeit half of their bet. This surrender option must be done as the very first action the player takes on the hand.