Zoe Busiek is a free spirited woman originally from Chicago who lives in Las Vegas. When she learns her sister died in an accident, she goes back to take care of her children. She then learns that the insurance company decides not to pay because eye witness account claims her sister was at fault. But Zoe doesn't believe she was so she sets out to prove it.
A woman's house is set on fire for trying to help out the community, so Zoe and Dan go and interview a 12 year old boy named Jimmy who knew the woman that was killed. Sophia has trouble with her boyfriend. Hannah tries to protest for a crossing guard at her school that lives in her car.
Zoe finds out her partner, Dan, used to be engaged and used to be a thief. Meanwhile Dan's ex-fiancé; comes to town. Marcos asks Zoe out on a date, but she turns him down the first time. Sophia and her boyfriend try to find a house, but have difference tastes in a place to live. Dan discovers he has feelings for Zoe and goes to tell her, but when he does he sees Zoe and Marcos kissing on the porch.
After a woman is fatally bitten by a poisonous Australian snake on a cruise, the insurance investigation team's suspects include her ex, the biologist who presents the TV show "Nigel au Naturel", and a rivaling cruise company which earlier just managed to keep a lizard incident from public knowledge. So Daniel goes on their next singles cruise, where Nigel Hampton also has booked carrying a ferret and a pet snake, as passenger and Zoe fills in for the sick singer. Meanwhile the kids shoot a jealous murder play at home.
When Victoria Motetti gets killed in her nice neighborhood, the police suspects the Robin Hoods burglary gang, but their usual pickings were not robbed, just art. When Dan and Zoe investigate, it turns out that Victoria's lover, handy man Trey, a surfer who travels around the Pacific and has access to several robbed houses, paid all his hefty debts shortly after the burglary, and a robbed bracelet fall out of his car; but the plot thickens... Meanwhile Zoe tries to separate Taylor from Ryder at least some time by 'creating' a filing job for her at the office.
In this winter wonder episode, Dan enjoys investigating the Karmakazi-snowboard scene, where sabotage of fuel tanks upset everything, at the side of model Candace 'Candy' LaRue; the hotel owner, who might have planned this to get modern fire equipment, and his ex accuse each-other; barman Sam hates the very sport. Meanwhile Zoe -who turns out Candy's former best friend- takes her nieces -whose minds and phones remain home-focused- on a 'working parent guilt' ski trip to the same Dells. Candy gets Zoe's blessing to go for Dan, while Zoe's lover Marcos turns up after ...
While Dan has his hands full with the rather horny and indiscreet attentions of Zoe's youth friend Candy LaRue, Zoe is delighted to get as client Queenie, the star presenter of children's TV puppet show Queen Bea, who is being blackmailed with nude photos of her penniless ex Earl, who Dan thinks set her up himself, but the blackmailer only demands a donation to a train museum. Meanwhile Zoe's cousin Taylor is not over Rider who left her without a word, but plans to run off to Columbus, Ohio hoping to marry him; against his better judgment Julian helps her, but Zoe ...