You should expect that most insurance carriers in Alabama are NOT writing WIND coverage in the coastal area of Baldwin County. Suggestion: Ask the neighbor owners, or property managers in Spanish Cove which carriers are carrying their property coverage and what the typical rates are.
You also might not be aware that property insurance rates are calculated based on both the property type and location, the buyer's credit rating, and history of claims.
So, you will get an accurate quote only by contacting an insurance agent and providing some personal information.
Best wishes on your purchase.