About what we paid in our area. Typically, a certified marine surveyor will do a deck first while in the water followed by a hull out of the water survey. Ours inventoried and tested all the systems on our boat to verify they worked, were in reasonable condition, or were operational. That included all through hull valves, water intrusion/damage, safety equipment, propulsion system, bilge pumps, etc. Most do not certify the engine, spar, rigging and related gear due to a different level of certification knowledge that most marine surveyors will not cover. Insurance Companies are more interested in hull integrity, things that might cause the boat to sink or result in major repairs. It all boils down to risk.
Unsure what you mean by having it checked from head to toe. Spar and rigging inspection may require that you drop the spar and hire a different surveyor. Ditto the engine and transmission. When we purchased our 1991 model in 2002, I skipped the engine, spar and rigging. The Surveyor did check all deck level rigging, engine working (635 hours), Genset working (260 hours), etc.