3. Quilt or Bed Spread
The next layer should be a quilt or a bedspread.
Place this on your bed so that it hangs evenly on all sides and covers the box springs.
4. Comforter or Light Blanket
For the top layer, a fluffy down comforter folded at the foot of the bed is perfect for the cooler months.
A duvet is a great solution. IThe cover can be removed and easily tossed in washing machine. Plus, you can change it out with the seasons.