Thanks again for all the replies everyone. After talking to some guys on the dock, it turns out the yard in our marina is really expensive. I wound up calling progressive and they can insure the boat without a survey, but it does cost more per month. The plus side is that once we get the survey done, we can cancel that plan (we'll get a refund for the unused portion) and get a much cheaper plan with the survey.
So the now the plan is get the engine working and take it down to wilmington/san pedro towards the end of the season and have it hauled out there where it's much cheaper.