As opposed to how it is pronounced in this link:
Can the noun “insured” be pronounced closer to:
in sure ed
Maybe the other way I heard it is more:
in surid
I’ve never heard it pronounced like either of your alternatives and I would consider it non-standard.
I haven’t heard it pronounced any differently than the Web site, which is how I pronounce the word as an adjective as well. The other two sound pretty non-standard to me too.
It may depend, obviously, on what variant of English is spoken. The OED gives insured the noun the same pronunciation as insured the past participle, and doesn’t indicate that any pronunciation variants exist.
With three syllables instead of two? I’ve only heard the two-syllable pronunciation. Your dialect may vary.
I have used the three-syllable version in legal contexts, typically where it is necessary to distinguish among parties, one of whom is the insurer and the other is the insured.
Since “insurer” is three syllables, the pronunciation of “insured” is more distinct if it is kept to two syllables.
True. “Insurer” can often be slurred to “insherrrr,” though. I think “in-sher-ed” as three syllables arises from a desire to emphasize the “d.” One word trails off, while the other has a vocalized stop.
Here’s another one I often hear mispronounced by nearly all Americans especially the media. It’s the word for the lobby of a building, house.
A lot of people pronounce it as it looks but it is a french word and is pronounced
foy-ay or foy-eh.
If you sound it out it would be correct as foyer (foy-er). I remember hearing a lot during the Beatles producer trial where he was found guilty of killing that young women in the foyer of his house.
But I hear it all the time said the wrong way on TV shows and CNN although I did hear one CNN crime reporter say it recently, Jean Casaras on HLN (Headline News)
And where do British people and some Americans who want to sound British, like Madonna say the word IDEA with an “R”?
There’s no “R” mentioned in the pronunciation.
And believe me I’m no expert on english language but just always wondered?
I always hear it said “iderr”?
Where does the “R” come from?
If you think a word is “mispronounced by nearly all Americans especially the media,” then that pronunciation has probably become a de facto correct pronunciation.
Over time lots of words borrowed from foreign languages change pronunciation to an anglicized version, and this is natural. It does not mean that “foy-er” is incorrect, although it might be incorrect in French. Heck, try telling Brett Favre that he mispronounces his own name. 
Foyer isn’t just French anymore, it’s been naturalized into English, and apparently picked up a more phonetic pronunciation (for English), at least in some parts of the US. I just now realized that foyYAY and FOYyer were even the same word, as it always pronounced FOYyer where I live.
The final schwa (the a in idea) often picks up a rhotic (r) in some British accents when it is followed by another word starting with a vowel. Someone else will have to tell you which ones; all I know is that I’ve heard it on Doctor Who. It’s called an intrusive linking R. Read about it more here.
People like Madonna are overdoing it. Idea is only sometimes pronounced idear.
You can pronounce words however you want to. The only thing that matters is whether you are understood by others, or if you care about them thinking you say words ‘strangely’. Once upon a time back in the days of Chaucer you could spell words however you wanted to too, but obviously that comes with far more problems and some sort of standardisation (standardization) makes a whole lot of difference.
We don’t even notice we’re doing it. First time I saw an American asking about e.g. Captain Picard saying “Dater and I”, I had no idea what they were talking about.
Aw great. Now ya dun it. This is now destined to become “one of those” threads.
Don’t get me started on forte (strength) and forte (loud).
I couldn’t resist it, I just herd another one on CNN today.
The group is “en route” to the country. He actually said it “n-route” (as it looks) but I think we all know it’s “on route” because again it’s a french word.
I think it’s the first time I’ve ever herd someone say that one wrong. But maybe he’s just filling in for the Christmas break.
“N-route” is a common enough pronunciation that I wouldn’t consider it non-standard myself. Same with “foyer” with the English “-er” pronunciation. The “-ay” pronunciation sounds quaint to my ears. I speak a bit of French, but pronounce foyer as “FOY-er” not “fo-YAY” when speaking English.