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Most insurance companys wont touch a boat without a survey. Likewise banks. Not sure on a new one, doubt I'll have that concern.
Surveys establish a lot of things, one of the main being seaworthiness, whether you can take her out with some assurance she'll bring you back, not something thats a concern with most houses.
Price is usually based on per foot. I've heard varying rates from different areas. Someone here might help you on that if they know what area that you live in.
Theres a couple good books on this,
Surveying Small Craft by Ian Nicolson
Surveying Fiberglass Sailboats by Henry Mustin
they give a lot of details on the process.