The term 'cozy and comfortable' can be described as 'HOMEY' in five letters. HOMEY is a term used to describe a place or atmosphere that is warm, inviting, and comfortable. It is often associated with a feeling of being at home, with a sense of familiarity and comfort. HOMEY places are often decorated with personal items and furniture that make them feel inviting and comfortable. HOMEY places often evoke feelings of contentment and relaxation.