Comforter. Thick and (sometimes) quilted, a comforter differs from a quilt in that colors are generally dyed and patterns are not embroidered. Comforters are filled with layers of material including polyester batting (a synthetic fiber), down feathers, wool or silk. The loft (thickness) of the filling determines the weight as well as the level of insulation. Comforters are stitched or quilted to secure the filling and ensure that it is evenly distributed. They are intended to be the bedspread, sitting on top of sheets, but again, those who want to create a layered look should go ahead and do it. There are no cardinal rules to be broken in bedding!