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When Pressman's Christmas Tree Farm goes up in flames only weeks before Christmas, Stuart seeks help from his insurance agent. However, he wasn't expecting her to be a female version of Scrooge. Allison doesn't like Christmas and could care less about the upset man in front of her, handsome or not. Fresh trees are wasteful, bad for the environment, and what kind of grownup makes his living in selling Christmas cheer? Other than giving the minimum payout, she doesn't have any personal interest in the case. To be honest, she hates Christmas. It's filled with nothing but bad memories. Stuart is praying for a miracle. Allison just wants to put the whole season behind her. Then she discovers some of the reasons Stuart is so desperate to save his farm and make it a success. Will Allison let herself get caught up in the magic of the season? Can a Christmas miracle really happen not just for him, but her too?
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