Abstract: Embodiments disclosed herein provide cover-up garments that can be used to convert swimsuits into additional apparel forms without having to change out of a swimsuit. An elastic band, with or without closures, allows the cover-up garment to be put on easily over a swimsuit. Different materials and cuts of materials attached to the bottom and/or top of the elastic band allow the cover-up garment to transform the bathing suit into a wide range of additional apparel types suitable for wearing at other locations outside of a beach or pool setting. The cover-up garment when used in combination with the swimsuit, such as, the top of a swimsuit creates a new garment style.