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You can watch Whispers and Lies (2008) for free on Hoopla.

Two cousins, Jill and Patti, visit a quaint little town on a perfect little island. Patti came to visit a man she had met and brought her cousin Jill to tag along. The two meet some local men and seem to spark relationships with them. Patti seeks to impress the new mystery man she has met. Patti puts all things aside and goes running off with the man she has recently met. Eventually Patti disappears. Jill looks everywhere for her cousin. Strange things start to happen and finding Patti becomes quite challenging with missed phone calls and ferries that have left. Jill seeks for more answers and continues to push to locate her missing cousin. Jill will stop at nothing to uncover where Patti is. Jill starts to uncover the deep dark secrets of this perfect little island. No one has died on this island in centuries and Jill soon discovers why. It is a secret Jill must expose.

Melissa Joan Hart trades her sitcom charm for a sense of mounting unease as a seaside vacation curdles into something far more suspicious. This small-town mystery relies on the friction between two cousins whose romantic interests trigger a cascade of local secrets.