Why did I get insurance payout without dying?
Solution 1:
This seems to be a glitch with an unknown cause that provides solo players an occasional $10 payout. Of the few recorded instances of people getting this bonus they were all playing solo mode and all received the same insurance amount of $10. One user on Reddit say that your items may have been lost, and the insurance is covering those losses but other users claim that they still have their full inventory.
All in all, it appears to be a random $10 bonus for people playing alone. Perhaps try thinking you stole some cash the homeowner left behind.