Best Duvet Inserts

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Duvet inserts are designed to work with your favorite duvet cover to add loft, softness and coziness to your bedding. Whether your preferences run toward toasty warm or light and breathable, there’s a duvet insert for the job. Our product testers rounded up the best duvet inserts on the market, from traditional down to cooling bamboo to luxurious silk, so you can enjoy the dreamiest nights.

Bottom Line: What’s the Best Duvet Insert?

Our expert product testers chose the Saatva All-Year Down Comforter as the Nerd’s Pick due to its soft, cozy feel, hypo-allergenic properties, and impressive durability, which should translate to years of excellent performance.

Best Duvet Inserts

Nerd’s Pick: Saatva All-Year Down Alternative Comforter

Saatva All-Year Down Alternative Comforter

Saatva All-Year Down Alternative Comforter

The Saatva All-Year Down Alternative Comforter is perfect for those who want the feel of down without the animal product.

Mattress Nerd Score
5.00 / 5 starstarstarstarstar
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Accessories Details

Material
Material

Cotton, Lyocell, Down Alternative

Trial Period
Trial Period

45 nights

Warranty
Warranty

1-year limited warranty

Financing
Financing

Not Available

Shipping Method
Shipping Method

Free shipping

Return Policy
Return Policy

Free returns

Pros of the Saatva All-Year Comforter
Hypoallergenic and plant-based materials
Designed for cozy warmth year round
45-day return window
Cons of the Saatva All-Year Comforter
High price point
May be too warm in certain climates for hot sleepers

Saatva is one of our favorite go-to brands for high-quality and luxurious mattresses and sleep accessories. If you need an alternative to down, Saatva’s All-Year Down Alternative Comforter is a perfect choice. Down alternative fiber and lyocell mimic the light, airiness of real down but offer moisture-wicking and hypoallergenic properties. This comforter is also machine washable, which is a great bonus.

Who Might Like the Saatva All-Year Comforter

  • Luxury shoppers
  • People with allergies
  • People who live in cold climates

Who Might not Like the Saatva All-Year Comforter

  • Budget shoppers
  • Hot sleepers

What our testers say: “When I tried this for myself, I noticed it stayed cool, and didn’t seem to trap body heat. That being said, I’m not a “hot sleeper” per say, but I have tested products before that actually made me feel warm and toasty. The Saatva All-Year Down Alternative Comforter did not do that.” Becca, Editor & Lead Bedding Tester

To find out more, read our full Saatva All-Year Down Alternative Comforter review.

Best Cooling Down Insert: Luxome ClimaSense Comforter

LUXOME ClimaSense Comforter

LUXOME ClimaSense Comforter

The LUXOME ClimaSense uses special cooling technology to adjust to your body temperature to keep you comfortable all night long.

Mattress Nerd Score
5.00 / 5 starstarstarstarstar
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Accessories Details

Material
Material

Cotton, Polyester

Trial Period
Trial Period

30 nights

Financing
Financing

Not Available

Shipping Method
Shipping Method

Free shipping

Pros of the Luxome ClimaSense Comforter
Trademarked design regulates body temperature for cooler nights
Hypoallergenic and certified skin friendly
High loft and oversized for a luxurious look
Cons of the Luxome ClimaSense Comforter
High price point
Not available in twin size
Can’t be machine washed

The ClimaSense Comforter is infused with the company’s trademarked 37.5 Technology. Volcanic minerals help maintain the right temperature for more restful sleep. Plus, this duvet insert is generously sized and ultra fluffy for a luxurious look and feel.

Who Might Like the Luxome ClimaSense Comforter

  • Hot sleepers
  • People with allergies
  • Luxury shoppers

Who Might not Like the Luxome ClimaSense Comforter

  • Budget shoppers
  • Kids and college students (no twin option)

What our testers say: “When I tested it, I immediately felt a cool to the touch sensation and overall plushness. It did feel slightly heavy, kind of like a weighted blanket sensation, but I didn’t feel any heat retention.” Becca, Editor & Lead Bedding Tester

Best Down Duvet Insert: Brooklinen Down Comforter

Brooklinen Down Comforter

Brooklinen Down Comforter

This Down comforter from Brooklinen is an affordable and high quality option for your bedding. Choose between three weights that correspond with your temperature preferences and environment.

Mattress Nerd Score
4.70 / 5 starstarstarstarstar
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Accessories Details

Material
Material

Cotton, Down

Trial Period
Trial Period

365 nights

Warranty
Warranty

2-year warranty

Financing
Financing

Available

Shipping Method
Shipping Method

Free shipping

Return Policy
Return Policy

Free returns

Pros of the Brooklinen Down Comforter
Three weights, from lightweight to ultra warm
Down is ethically sourced from Hutterite Farms
Hypoallergenic with an antimicrobial finish
Cons of the Brooklinen Down Comforter
High price point
Down has high heat insulation and may be too warm for hot sleepers
Some customers found the insert too narrow despite buying the right size

Brooklinen’s down comforter has the signature airiness of real down. That’s thanks to the 100% down cluster fill, which is also sustainably sourced from a farm in Canada. It’s available in three weights so you can customize your preferred warmth level.

Who Might Like the Brooklinen Down Comforter

  • Eco-conscious shoppers
  • Those with allergies

Who Might not Like the Brooklinen Down Comforter

  • Hot sleepers
  • Budget shoppers
  • People will bigger beds

What our testers say: “If you know you sleep hot or if you live in a hot climate, the Lightweight will be your best bet. That being said, it is still very fluffy and soft for a cloud-like feel on the body.” Becca, Editor & Lead Bedding Tester

Best Luxury Down Insert: Cozy Earth Silk Comforter

Cozy Earth Silk Comforter

Cozy Earth Silk Comforter

If you're looking for a luxurious upgrade to your bedding, the Cozy Earth Silk comforter is the perfect fit— featuring 100% Mulberry silk and bamboo viscose.

Mattress Nerd Score
5.00 / 5 starstarstarstarstar
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Accessories Details

Material
Material

Silk, Bamboo

Trial Period
Trial Period

100 nights

Warranty
Warranty

10-year warranty

Financing
Financing

Not Available

Shipping Method
Shipping Method

Free shipping

Return Policy
Return Policy

Free returns

Pros of the Cozy Earth Silk Comforter
Plush and moisture wicking
Breathable and heat insulating
Choice of standard or extra fill to suit different preferences
Cons of the Cozy Earth Silk Comforter
Very high price point
Can’t be machine washed
Cozy Earth requires a protective duvet cover to validate its extended warranty

For an ultra-luxurious pick, look no further than this 100% mulberry silk comforter from Cozy Earth. It’s silky soft with a plush feel for warm, cozy nights.

Who Might Like the Cozy Earth Silk Comforter

  • Hot sleepers
  • Luxury shoppers
  • Silk lovers

Who Might not Like the Cozy Earth Silk Comforter

  • Budget shoppers

What our testers say: “It’s snug and cozy, plus the bamboo and silk material mix are temperature-regulating without the overheating. That being said, this is a great option for the fall and winter months.” Becca, Editor & Lead Bedding Tester

Best Adjustable Duvet Insert: Coop Sleep Goods Exhale Comforter

Coop Sleep Goods Exhale All-Season Adjustable Comforter

Coop Sleep Goods Exhale All-Season Adjustable Comforter

This unique and personalized comforter is perfect for couples with differing temperature needs or to accommodate changing climates comfortably.

Mattress Nerd Score
5.00 / 5 starstarstarstarstar
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Accessories Details

Material
Material

Cotton, Microfiber

Trial Period
Trial Period

100 nights

Warranty
Warranty

5-year warranty

Financing
Financing

Not Available

Pros of the Birch Natural Duvet Insert
Premium fill materials with a breathable cover
Entirely non toxic
100-night sleep trial
Cons of the Birch Natural Duvet Insert
High price point
Not available in a twin

This down and wool duvet insert meets Responsible Down Standard (RD), which means its materials have been humanely harvested. It’s a light, breathable insert designed for all four seasons.

Who Might Like the Birch Natural Duvet Insert

  • Eco-conscious shoppers
  • Those with sensitive skin and allergies

Who Might not Like the Birch Natural Duvet Insert

  • Budget shoppers
  • Kids and college students (no twin option)

What our testers say: “If you sleep with a partner that has different temperature preferences than you, this is the perfect option to accommodate you both!” – Samantha, Editor & Bedding Tester

Buying Guide for the Best Duvet Inserts 

If you’re shopping for a new duvet, you may be wondering what makes it different from a comforter. It’s a good question! Both add fluffy warmth to your bed, and both differ from blankets thanks to their construction, which includes some type of internal fill. However, duvet inserts are generally designed for use inside a duvet cover (though that’s not always the case).

Just as your pillow benefits from a case to keep it clean, so does your duvet. Plus, using a cover means you can customize the look of your bed, adding color and pattern. That’s a benefit, since many duvet inserts are typically available in white.

As you shop for a duvet, it’s important to consider your personal sleep needs and preferences. That will help you zero in on the materials that will serve you best.

Types of Duvet Inserts 

Like comforters, duvet inserts come in standard sizes to accommodate beds of all sizes. And just like comforters, duvet inserts are also made with different fill materials. Choice of fill will dictate how a duvet feels and looks. Common fill materials for duvet inserts include:

  • Goose down. If you love the idea of a lofty, airy, cozy duvet, goose down tends to be the best material. It’s important to look for certifications from the Responsible Down Standard (RDS), the International Down Standard, or Downmark, all of which indicate high quality and compliance with strict animal welfare principles. That way, you can be certain that the down in your duvet was harvested ethically and humanely.
  • Down alternative, like microfiber and polyester. These materials are often more cost-effective than real down and are a good option if you have allergies.

Benefits of Duvet Inserts

Duvet inserts and comforters have many similarities. But one big advantage of the duvet insert is the fact that it’s often paired with a cover. Not only does that give you lots of flexibility in terms of aesthetics, it also offers an extra layer of protection to your duvet insert.

Duvet inserts also tend to be a little fluffier and warmer than comfort, because they’re generally made with high-quality materials. And while you will likely spend more money on a true duvet insert, you can expect a longer lifespan with proper care.

Considerations for Duvet Inserts 

As you shop for a new duvet insert, remember to factor for your personal needs and preferences. Here’s what else to keep in mind.

  • Construction. A well-made duvet insert is key, and construction styles like baffle box help ensure even distribution of the fill. That way, you can avoid a scenario in which all of the cozy warmth is bunched on one side. Look for corner loops as well—they help keep your duvet insert secured inside the cover.
  • Price point. Duvet inserts can range in pricing, veering to the higher end for better materials and certifications. You don’t necessarily need to pay a premium for a great duvet insert, but keep in mind that you generally get what you pay for.
  • Ease of care. If you use a duvet cover, you won’t need to wash your duvet insert itself very often. Still, it’s wise to double check the care instructions before you purchase just so you’re clear on whether or not machine washing is an option.
  • Comfort. Depending on where you live, the time of year, and whether or not you usually sleep hot, you may want a lighter or heavier duvet. Pay attention to the weight of a particular duvet insert as you shop—that will tell you how warm it will feel.

FAQs about Duvet Inserts 

What is a duvet insert?

As the name suggests, a duvet insert is inserted into a duvet cover. Together, these bedding basics add warmth and coziness to your bed.

What’s the difference between a duvet insert and a comforter?

Duvet inserts and comforters are often referred to interchangeably, as is the case in many of the options we listed above. But while both are a top layer designed for warmth, a comforter can be used by itself, while a duvet insert typically requires a cover.

What’s the best duvet insert filler?

This comes down to personal preferences and sleep needs. If you sleep warm, temperature-regulating materials are a better choice than down, which offers high insulating properties. If you like a cozy, lofty feel, down is a good option. In both cases, it’s best to opt for high-quality materials from a trusted brand to enjoy long-term performance from your duvet insert.

What kind of duvet insert do hotels use?

Many hotels use goose down duvet inserts. That’s what makes hotel bedding feel so fluffy, with a cloud-like softness. If you want the airy feel without actual down, down-alternative duvet inserts are designed to mimic the plushness.

Recap of the Best Duvet Inserts 

Duvet InsertAward
Saatva All-Year Down Alternative ComforterNerd’s Pick
Luxome ClimaSense ComforterBest Cooling Duvet Insert
Brooklinen Down ComforterBest Down Duvet Insert 
Cozy Earth Silk ComforterBest Luxury Duvet Insert
Coop Sleep Goods Exhale ComforterBest Adjustable Duvet Insert 
Birch Natural Duvet InsertBest Organic Duvet Insert