Abstract: The towel cover for a chair having two armrests covers at least the seating surface and backrest surface of the chair and the armrests, including insulating the chair user from contact with armrest supports from within or without the chair, and covering the top, front, each side, and rear surface of each armrest. The towel cover is also functional as a towel. The towel cover may have fabric ties for retaining the towel cover on the chair. Metallic and hook-and-loop fasteners are avoided. A stretch terry, in whole or in part, may be used to adapt to reclining chairs, such as reclining lawn chairs. The towel cover may be made of a single piece of cloth or may be fastened together from a plurality of pieces of cloth.