Depending on your insurance carrier a survey may be a requirement before they will provide in-water coverage. You're not talking a large boat so a survey should be relatively simple. I once had a survey done on a 31' Bertram and the well known surveyor said it had a 25gal holding tank while it in fact had none.
Most boats I have purchased have been contingent on a passed insurance company survey and a sea trial. Take your time, there's lots of boats out there and I'm not sure they are going to be more expensive in the spring the way this economy is going.