Kassia Green finds herself in Massachusetts—the last place she wants to be—to housesit for her cousin over Christmas. Not a fan of snow or cold, she would much rather be home, or even in the Caribbean. Little does she know returning from shopping one day will bring her face-to-face with a naked man in that very house. Heath Dixon, former Army, takes his friend up on an offer to stay at his place, where he meets, Kassia. Despite their rocky start, she has him forgetting about his injury and thinking of all the ways they could keep warm at night. As Christmas gets closer, they discover more about one another and Heath realizes he has no wish to lose her. Can he make her understand that sometimes the best holiday surprise can be unwrapped when you first discover it?