At least not for Ellie Lawrence and her family of two - soon to be three - kids. A fire destroyed their home in North Star, Michigan, and most of their possessions. They'd have lost the family dog, too, if Ben MacAllister hadn't come along in time.
Ben's Christmas isn't looking a whole lot brighter. On leave of absence from the Ohio State Highway Patrol, he's being stalked by a teenager with vengeance on his mind.
But, as Ellie and Ben discover, Christmas and babies come whether we're ready or not. And so does love!