Re: How do I get insurance and how much does it cost?
My Pearson survey was more like $550, including haul out. The price was pretty evenly split between the haul out and the surveyor.
I self surveyed my Catalina, but the Pearson is a much more complex boat and I wanted someone else to check it. What was found in the survey paid for survey in negotiation. Self-surveying can work well (though it is meaningless to insurance) as long as you are open to walking away when you find problems. If you are emotional about it then it isn't a survey.
I didn't haul the Catalina, but wish I had. Everything worked out fine (I recently saw the bottom because a friend owns that boat now), but it would have given me a lot of peace of mind to have seen it hauled. What I found in the self-survey knocked about $1000 off of the Catalina price.
In both cases more was found after words, that's just boats.
1986 Pearson 28-2 "Elena"