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In other words, the participant losses the insurance coverage wager when the participant's main wager is victorious. The predetermined odds at which the insurance coverage wager is paid out might differ in accordance with the objectives of the residence. For instance, the predetermined odds of the insurance wager may equal 6 to 1 odds or alternatively 7 to 1 odds. It ought to also be appreciated that the insurance offering step of the present invention and the insurance coverage side bet rules do not otherwise have an effect on the play of the baccarat game. The game is nevertheless played in accordance with regular baccarat dealing, scoring, and payout guidelines. Accordingly, the present invention provides various positive aspects over prior art baccarat games.