Determined to live her life the way she wants, newly widowed Lucy Muir declines her straightlaced in-laws demand that she live with them and moves with her daughter to the seaside into a cottage haunted by the handsome, blustering Captain Gregg. A deal is struck between the two in the wee hours of the morning allowing Lucy to stay in the house and the captain to materialize only in the master bedroom. As they gradually get to know each other, Lucy's spunk and stubborness gains first the captain's grudging respect, then his heart. But when another man woos Lucy, both must face that her future lies with the living, not the in the spirit world.