Total loss valuation

I am looking for the fairest estimates for homeowner insurance. And, I am a bit deflated from the deception the bundling idea presents (fyi, in my estimation it’s a hoax unless a savings of $8 is worth it). I have noticed that the estimated sale price of the property and the total loss of the property has an exceptionally different valuation and i mean a good $70k difference. Can someone explain why this is?

As an aside, another increased personal liability I am seeing (to consider) is for firearms that is nearing $7k. I am no person to own such armament that I wonder about the fiction of property insurance policies.

Find a local broker who can give you quotes from multiple companies. This is the best way to find a fair price.

I was doing that, receiving estimates. But thanks. I was also asking about the rationale and in particular coverage for firearms.