Yes, duvet covers need inserts. A duvet cover keeps the duvet insert clean and protects it from stains. It also gives you a chance to add your own decorative touch by choosing a cover that matches your style. 

While a duvet cover only exists to preserve and adorn the duvet insert, technically it can be used without the insert. You may want to use the cover without the insert if you find yourself too warm at night. Or you may want to explore lighter-weight inserts instead. 

If you are accustomed to making your bed with fitted and flat sheets topped by a quilt or comforter, you may be wondering how to make your bed with a duvet cover. 

Typically, a duvet is used in place of a flat sheet. However, you can use a flat sheet between the fitted sheet and the duvet if you prefer. Once you tuck your fitted sheet around your mattress, place your duvet on top of the fitted sheet. For a more relaxed look, leave the duvet untucked. For a more formal look, tuck the edges of the duvet under the mattress. 

Now's the fun part. Decide if you want the top of the duvet pulled up to the bed frame or folded in half or thirds. Layer shams, bed pillows, and throw pillows against the bed frame. Add throws or bed blankets if you like that look. Play with different ways to layer the pillows and other accent pieces to achieve the look you want for your bedroom. 

You can find the best duvet covers in most furniture, home, and department stores, both brick-and-mortar and online. To find the best duvet covers for your style and comfort, explore offerings from several different brands, including Lulu and Georgia, Mathis Home, MINE, Mor Furniture, One Kings Lane, Raymour & Flanigan, Rooms To Go, Slumberland Furniture.

Find all these brands and more at furniture.com. Use the furniture.com hyper-personalized search tools to easily browse a variety of duvet covers of various materials, colors, and sizes to purchase online. 

Or, if you want to evaluate the softness and texture of the duvet covers yourself, enter the distance you are willing to travel into the search tools and furniture.com will direct you to the stores nearest you.