In most U.S. casinos, insurance is allowed. Prior to playing any hands, if the dealer's upcard is an ace, he will ask, "insurance?" To understand this option, you must know that if the dealer's first two cards are an ace and a ten-valued card—blackjack—he will automatically beat every player hand on the table except for another blackjack, which would push his hand.
So, when the dealer shows an ace upcard, the player hands are in danger. By offering insurance, the dealer gives the players a chance to make a side-bet that he has a natural, i.e., a ten-valued card in the hole. Note the specially marked area on the table layout for insurance bets. If the player is willing to bet that the dealer does, in fact, have a ten-valued card in the hole, for a blackjack, the player places an amount of money equal to up to one-half his original bet in the insurance space. So, if a player has $10 bet on the hand, he may make an insurance bet of up to $5, but no more.
After all insurance bets are placed, the dealer peeks at his hole card. If he has a natural, he immediately turns it up and proceeds to pay off insurance bets, and to collect all original wagers placed by the players. Since insurance bets are paid at the rate of 2 to 1, a player with a $10 original bet, and a $5 insurance bet, would lose his original $10, since the dealer's natural is an automatic win, but would be paid $10 (2 to 1) for his $5 insurance bet. Thus, the player breaks even.
If a player has a blackjack when the dealer has an ace up, instead of offering insurance, the dealer usually offers "even money" to this player. This means that before the dealer checks his hole card, the player may accept an even money win for his blackjack. Many players do not understand that an offer of even money is identical to an offer of insurance when a player has a blackjack.
This is because a player who takes insurance when he has a blackjack will ultimately be paid even money whether or not the dealer has a ten in the hole. Consider: with $10 bet on your blackjack hand, and a $5 insurance bet, if the dealer does not have a ten in the hole, then you'll lose your $5 insurance bet, but win $15 (1 1/2 to 1) for your $10 blackjack hand. That's a net win of $10, or even money.
On the other hand, if the dealer does have a ten in the hole, then you win $10 (2 to 1) on your $5 insurance bet, but push on your $10 blackjack hand, again for a net win of $10—even money. So, if you have a blackjack, an offer of even money is the same thing as an offer of insurance.
If the dealer doesn't have a natural, he immediately collects all insurance bets, and the play of the hands resumes, starting with the first base player and working clockwise. In some casinos, dealers do not check their hole cards or settle insurance bets until after the play of the hands.
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