Abstract: A bed covering, which functions as a spread, comforter and top sheet, is formed by joining two identically dimensioned layers of fabric which are stitched together along three edges with a foot edge of the layers remaining unstitched. Each layer is generally the size of a spread which fits a particular size bed such as, for example, a single or double size bed. Side and foot edge portions of the layers extend to the floor from the top of the bed to provide a spread effect. Pockets are formed between a central portion of the two layers and are stuffed with a heat-insulating material such as, for example, down or polyester fibers.When the bed covering is placed on a bed, the unstitched edge portion of the bottom layer adjacent to the foot edge is tucked between the mattress and box springs of the bed to secure the bed covering with the bed. Since the tuckable portion is not stuffed, it does not lift the foot of the mattress and holds the bed covering securely.