A Duvet is a cover for a comforter .They do not come with inserts. You must buy those separatly :http://www.thecompanystore.com/duvet-cov... You can just use a white comforter:http://www.thecompanystore.com/primaloft...

Duvets are nice because you can remove them and wash often.

A comforter is one thing all put together :http://www.thecompanystore.com/comforter...

A quilt is a much lighter weight for summer or people who live in warm climates :http://www.thecompanystore.com/bed-cover...

A coverlet is basically the same as a quilt but may be a bit smaller.

Here are the layers you should have on your bed :The mattress and box spring should be encased in a plastic cover that will keep it fresh http://www.thecompanystore.com/bed-bug-p... . Then add a mattress pad- water proof:http://www.thecompanystore.com/300-threa...

Then your bottom sheet and then your top sheet.On top you put your comforter or duvet and insert or quilt.You may want a light blanket over the top.

All of these items can be purchased for much less in other stores.

Sweet dreams .

well i know what they are ..... but they are so confusing..which i should buy..

and in online stores wen the sell Duvet, Comforter, Quilt and Coverlets does tht mean that they sell the whole thing...or only fabric covers...i hope you get what i mean. lol