Quilts are lighter, thinner, and less lofty than typical comforters or duvet inserts. Quilts are a great option for the warmer months or to add a layer of warmth on top of your comforter. Comforters are warmer and more insulated than quilts on their own because they have more fill material. Quilts sit more flush to your bed than a fluffy, lofty comforter or duvet insert.