Counting 10s and Insurance

In the last couple of posts we have pieced together that card counting can help us with insurance. We all understand that card counting will allow us to know when the remaining cards contain more high cards than low. So what does this have to do with turning insurance to our benefit?

High cards include 10s. And insurance is a side bet on whether the dealer’s hole card is worth 10 or not. Now put two and two together—it is a hard 4. No, I am kidding. Bad blackjack joke. If the, when counting cards, you find that a significant number of low cards have been played and the remaining deck is rich in high cards it means that the chances of the dealer’s hole card being worth 10 are increased.

This means that it is not a good time to take insurance.

Now keep in mind that I am not an insurance advocate for blackjack. It is a side bet and I am steadfastly against side bets. But if you are dead set on taking insurance and are playing in a brick and mortar casino where you can count cards, do not take insurance when the remaining deck is rich in high cards. This means that if you are going to risk the side bet—I mean, insure your hand—you only want to do it when the remaining cards are rich in low cards.

Unfortunately card counting cannot be used in online blackjack because of that RNG, but you can use card counting to turn insurance a bit in your favor. You know now that you can use card counting to know if the chances are increased for the dealer to have a card worth 10 for a hole card when the remaining deck is running rich in high cards.

Now you can take that knowledge and choose to wager on the hole card or not when offered insurance. For example, if you have a hard hand and the dealer has an Ace up and you have counted the card and figured that the remaining deck is rich in high cards—meaning the dealer’s chances of having a 10 for a hole card are increased—taking insurance might not be a bad thing; you know you have a weak hand and that the remaining cards favor the dealer in this case.

That is how knowing how the richness of the remaining deck can help you to decide whether taking insurance at the blackjack table might benefit you.