I love duvet covers. They act as bedspread, quilt and blanket all in one. A duvet is the quilt that is inserted into the cover. It's usually white and covered with an inexpensive cotton or cotton blend fabric. A lightweight duvet can be used in warm months and a denser one in the winter. The duvet cover can be coordinated with the rest of your bedroom, and because the insert can be changed with the seasons there is no need for multiple coverlets. Thus, saving money and doesn't that sound like a good idea!