Determined to live her life the way she wants newly widowed Lucy Muir declines her straightlaced in-laws demand that she live with them & 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 & the captain to materialize only in the master bedroom As they gradually get to know each other Lucy&s spunk & 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