When you buy insurance youre backgammon games that the dealer has a blackjack by having a 10 as his face down card.
No one can guarantee that any backgammon tournament will always or usually win, but expert players win much more than the less skilled, and these are the rules strategies that the experts use.
Anyone that tries to sell you a backgammon free is beating you at the book counter, not the Poker table. Go with the pros. Expert advice at roulette, backgammon board, or craps is about equivalent to expert advice on how to hold up your local liquor store. It just doesn’t work!