Lucy Muir, a strong-willed widow, moves into Gull Cottage, a haunted coastal cottage in 1900. That night, she confronts the spirit of her former boss, Captain Gregg, and refuses to be terrified. After Lucy gets acclimated to the thought of a man's spirit haunting her apartment, they become friends and allies. But when a charming real guy approaches Lucy and the captain, they must face their feelings.