The names get used interchangeably, but they're three different tools. Knowing which is which makes layering effortless.
Comforter: the warmth anchor
Lofty, filled, and made to be the top layer in cold months. One good comforter plus breathable sheets is a complete winter bed.
Quilt: the year-round middle child
Thinner and stitched through, a quilt works alone in summer and layers under a comforter in winter. It's also the easiest way to add pattern without repainting a room.
Coverlet: the finishing touch
Light and decorative, a coverlet smooths the silhouette of the bed and protects the layers underneath. Fold one at the foot of the bed and the whole room looks finished.
The Cotonva formula
Sheets you love + quilt for texture + comforter folded back for depth. Three layers, five minutes, a bed that looks like a photograph.