Summer Must-Have: The Top Swim Cover-Ups for a Chic and Sun-Safe Look

Summer is the perfect time to embrace effortless and breezy dressing, and a stylish beach cover-up is a crucial part of any swimwear ensemble. Whether you prefer spending your days lounging on the beach or by the pool, adding a sophisticated cover-up is an essential element to complete your look. With a plethora of styles to choose from, including flowing caftans, menswear-inspired button-downs, matching sets, flirty sarongs, and modest tunics, there is no shortage of options to elevate your swimwear this season. The perfect cover-up should be both comfortable and chic, easily able to transition from a day on the beach to a sunset cocktail hour or a casual barbecue. So, if you want to take your swimwear game to the next level, browse the best cover-ups of the season and find the one that suits your style.


The products highlighted in this article have been carefully selected by the team at Observer. We want to ensure that we provide you with the best recommendations possible. As an independent publication, we may earn an affiliate commission when you purchase products through the links on our website. This commission helps support our work so we can continue to provide you with high-quality content.
10 Must-Have Swimsuit Cover-Ups for a Stylish Summer by the Water
Elevate Your Beach Look with the Best Beach Cover-Ups of the Summer
PatBo Crochet Tie-Front Robe
Looking for a beach cover-up that adds a touch of sophistication to your poolside look? This ankle-length, long-sleeve crochet cover-up robe is the perfect choice. Not only does it offer coverage while still showing off your bathing suit, but it also exudes a sense of elegance that will elevate any beach or pool ensemble.

Made from lightweight and breathable fabric, this cover-up is comfortable to wear even on the hottest of days. The intricate crochet design adds a subtle texture and visual interest to the piece, making it stand out from more basic cover-up options.

The ankle-length and long-sleeve design also make it perfect for transitioning from a day at the beach to a sunset dinner or drinks by the pool. Simply slip it on over your swimsuit, add your favorite sandals or wedges, and you’re ready to go.

So if you’re looking for a beach cover-up that combines sophistication, comfort, and style, look no further than this ankle-length, long-sleeve crochet cover-up robe.
Pucci Printed Silk Crepe De Chine Kaftan
Indulge in a touch of luxury this summer with the stunning blue Pucci cover-up. Perfect for those who want to add a touch of glamour to their beach or poolside ensemble, this splurge-worthy item is guaranteed to turn heads.

Crafted from super lightweight fabric, this cover-up is both comfortable and effortlessly chic. The bright blue shade is perfect for adding a pop of color to your look, while the intricate Pucci print adds a touch of retro-inspired elegance that will transport you back to the ’70s.

Whether you’re lounging by the pool or walking along the beach, this cover-up is versatile enough to take you from day to night. Pair it with your favorite sandals or wedges, or dress it up with statement jewelry and high heels for a chic evening look.

Splurge on this luxurious blue Pucci cover-up and bring on the glamour this summer.
Poupette St. Barth Mini Dress Sasha
Effortlessly Chic Poupette Mini Dress: Perfect for the Beach or a Night Out

If you’re looking for a cover-up that effortlessly combines chic style and whimsical patterns, look no further than Poupette. Their classic mini dress is the perfect choice for a day at the beach or a night out on the town, depending on how you style it.

Featuring the brand’s signature whimsical patterns, this mini dress is both playful and stylish. The classic cut and loose fit make it comfortable to wear all day long, while the lightweight fabric keeps you cool and breezy even on the hottest summer days.

And the best part? With the right accessories, this dress can easily transition from a beach cover-up to a dinner outfit. Simply pair it with your favorite statement earrings and bold sandals for a day at the beach, then swap them out for heels and a clutch for a chic evening look.

So if you’re looking for a versatile and stylish cover-up that can take you from the beach to a night out with ease, the Poupette mini dress is the perfect choice.
Vilebrequin Linen Tie-Waist Cover-Up Pants
Looking for a beach cover-up that offers a more relaxed look? Consider these wide-leg white pants. Perfect for those who prefer a separates approach to their beach attire, these pants are versatile, comfortable, and stylish.

The white color is perfect for adding a touch of sophistication to your beach or poolside look, while the wide-leg cut keeps you cool and breezy even on the warmest of days. Made from lightweight and breathable fabric, these pants are both comfortable and stylish, offering the best of both worlds.

And the best part? The wide-leg cut allows you to easily slip them over your swimsuit, making them a practical and stylish cover-up option. Pair them with your favorite sandals or wedges for a casual beach look, or dress them up with statement jewelry and a bold top for a chic evening look.

So if you’re looking for a versatile beach cover-up that offers the benefits of separates, these wide-leg white pants are the perfect choice.
Savannah Morrow Tiva Open-Back Crocheted Pima Cotton Maxi Dress
Crochet Cover-Up: Perfect for Summer Days and Nights

Crochet is a classic summer trend that never goes out of style. And when it comes to beach cover-ups, this body-skimming crochet maxi from Savannah Morrow is a dream day-to-night piece that is sure to turn heads.

Featuring a daring cutout design, this maxi dress is both playful and elegant. The crochet fabric is perfect for keeping you cool and comfortable on hot summer days, while the body-skimming cut offers a flattering and feminine silhouette.

And the best part? With the right accessories, this dress can easily transition from a beach cover-up to a chic evening outfit. Pair it with strappy sandals and a beach hat for a casual daytime look, or dress it up with heels and statement earrings for a night out on the town.

So if you’re looking for a stylish and versatile crochet cover-up that can take you from day to night, this body-skimming maxi from Savannah Morrow is the perfect choice.
Melissa Odabash Kara Fringed Embroidered Crepe De Chine Kaftan
Boho-Inspired Casual Caftan: Unfussy and Comfortable

If you’re looking for a beach cover-up that offers a relaxed and boho-inspired look, this loose-fitting caftan is the perfect choice. Made from lightweight fabric and featuring a loose and flowy silhouette, this caftan is comfortable, effortless, and chic.

The casual and unfussy design makes it easy to throw on over your swimsuit and head to the beach, while the boho-inspired print and design make it stylish enough for a casual lunch or dinner. The loose-fitting silhouette is perfect for keeping you cool and comfortable even on the hottest summer days.

And the best part? This caftan is versatile enough to be paired with a range of accessories, from statement earrings and sandals to stacked bracelets and wedges. So whether you’re lounging by the beach or out and about, this caftan is the perfect choice for a comfortable and effortlessly chic look.

So if you’re looking for a laid-back and boho-inspired beach cover-up, this loose-fitting caftan is the perfect piece for your summer wardrobe.
Summersalt The Silky Luxe Long Effortless Shirtdress Cover-Up

Effortlessly Chic White Shirt Dress: Perfect for a Classy Look

For a classy and sophisticated beach cover-up, look no further than this easy, breezy white midi button-up shirt dress. With its flattering belted waist and side slits, this dress is both comfortable and stylish.

Made from lightweight and breathable fabric, this dress is perfect for keeping you cool and comfortable on hot summer days. The midi length and button-up design add a touch of sophistication, while the side slits provide a touch of playfulness. The belted waist ensures a flattering and feminine silhouette, perfect for showing off your curves while still keeping things classy.

And the best part? This dress is versatile enough to be worn both as a beach cover-up and a chic summer dress. Pair it with your favorite sandals or espadrilles for a casual daytime look, or dress it up with heels and statement jewelry for a night out.

So if you’re looking for a stylish and versatile beach cover-up that offers both comfort and sophistication, this white midi button-up shirt dress is the perfect choice.
Faithfull the Brand Sol De Verano Lorenso Stripe Cotton Shorts
Elevated Beach Shorts and Matching Cover-Up: For a Preppy Look

Elevate your beach look with these stylish and fashionable beach shorts. Perfect for a day at the beach or a seaside lunch, these shorts are both comfortable and sophisticated. And if you want a truly preppy look, you can pair them with the matching striped button-down cover-up shirt.

Made from lightweight and breathable fabric, these shorts are comfortable and easy to wear, thanks to their relaxed and casual fit. The high waist and belted design ensure a flattering silhouette, while the classic stripe pattern adds a touch of sophistication.

Pair these elevated beach shorts with your favorite sandals or sneakers for a casual daytime look, or dress them up with heels and statement jewelry for a more formal occasion. And if you really want to make a statement, pairing them with the matching striped button-down cover-up shirt will give you a chic and preppy co-ord look.

So if you’re looking for a beach cover-up that offers both comfort and sophistication, these elevated beach shorts and matching cover-up shirt are the perfect choice, especially if you want to show off your preppy style.
Caravana Simple and Stylish Sleeveless Cover-Up: Complete with Tassel Knot Detailing

If you’re looking for a simple and stylish beach cover-up, look no further than this loose-fitting sleeveless cover-up, complete with mini tassel knot detailing. Made from lightweight and breezy fabric, this cover-up is perfect for keeping you cool and comfortable on hot summer days.

The loose-fitting silhouette and sleeveless design ensure a relaxed and comfortable fit, while the mini tassel knot detailing adds a touch of playful sophistication. Whether you’re throwing it over your swimsuit for a day at the beach or pairing it with shorts and sandals for a casual outing, this cover-up is both versatile and stylish.

And the best part? This cover-up is easy to pack and perfect for travel. It can be easily folded and stored in your beach bag, making it a convenient and stylish solution for any beach day.

So if you’re looking for a simple but stylish beach cover-up that is both versatile and comfortable, this sleeveless cover-up with mini tassel knot detailing is the perfect choice.Awal Cotton Mini Dress

Farm Rio Dewdrop Spectrum Sarong
Sophisticated Printed Sarong: Perfect for Elevating Your Beachwear

Take your beachwear to the next level with this sophisticated printed sarong. Perfect for any beach or pool day, this sarong can be worn in a variety of ways, making it a versatile and stylish addition to any beach outfit.

The printed design adds a touch of sophistication and elegance to any ensemble, while the lightweight fabric keeps you cool and comfortable in the sun. Whether you’re wearing it solo to show off your bikini top or throwing on a t-shirt for more coverage, this sarong is the perfect accessory for any beach day.

And the best part? This sarong can be worn in a variety of styles, from a traditional wrap skirt to a halter dress, making it a versatile and stylish option for any beach or pool party. And you can easily fold and pack it in your beach bag, making it a convenient and space-saving solution for any beach vacation.

So if you’re looking for a stylish and sophisticated beach accessory, this printed sarong is the perfect choice. Whether you’re lounging on the sand or sipping a cocktail by the pool, this sarong is sure to elevate your beachwear ensemble.
Mikoh Tarawa Romper
Playful Cover-Up Romper: A Fun Alternative to Usual Silhouettes

Looking for a fun and playful alternative to the usual beach cover-ups? Look no further than this sleeveless blue jumpsuit, perfect for any beach or pool day. Offering a stylish and comfortable fit, this jumpsuit is a perfect addition to your summer wardrobe.

Made from lightweight and breathable fabric, this jumpsuit keeps you cool and comfortable in the sun. The sleeveless design and relaxed fit ensure a comfortable and relaxed fit, while the playful blue adds a touch of fun to your beachwear ensemble.

Wear it as a cover-up over your swimsuit or pair it with sandals or sneakers for a casual daytime look. And with its easy-to-wear silhouette, this jumpsuit is perfect for a variety of summer occasions, from beach parties to barbecues and beyond.

So if you’re looking for a playful and stylish alternative to the usual beach cover-ups, this sleeveless blue jumpsuit is the perfect choice. Add it to your wardrobe for a fun and playful beach look that is sure to turn heads.
Anemos Harlow Bias Cut Slip Dress in Stretch Cupro
Versatile Tank Dress: Perfect for a Minimalist Beach Cover-Up or a Fashionable Slip Dress Look

Looking for a versatile beach cover-up that you can wear from the beach to the bar? Check out this versatile tank dress that works as a minimalist dream bathing suit cover-up and also doubles as an incredibly fashionable slip dress look for a summer night out!

This tank dress is made from lightweight and breathable fabric, making it perfect for wearing over your swimsuit. The minimalist design ensures a comfortable and relaxed fit, while the sleeveless design allows for easy movement and keeps you cool in the summer heat.

But this tank dress is more than just a simple cover-up. With its stylish and versatile design, you can easily dress it up for a night out on the town. Pair it with statement jewelry and heels or wear it with sneakers for a casual daytime look, the possibilities are endless!

This dress is perfect for the minimalist fashion lovers who need a versatile piece that is easy to dress up or down. Whether you are hitting the beach or heading out for dinner with friends, this dress will keep you comfortable and stylish.

So if you’re looking for a versatile and stylish dress that works as a beach cover-up and a slip dress for a summer night out, this tank dress is the perfect choice!
Robin Piccone Natalie Tunic Dress
Coastal Grandmother-Approved Cream-Colored Cover-Up Tunic

For a classic and timeless beach cover-up look, check out this cream-colored tunic that is definitely coastal grandmother-approved! This elegant and stylish cover-up is perfect for any beach or pool day and will never go out of style.

The tunic is made from lightweight and breathable fabric that keeps you cool and comfortable in the sun. The cream-colored fabric is timeless and elegant, making it perfect for any age or style. The loose-fitting, flowy silhouette ensures a comfortable and relaxed fit, while the sleeves offer an extra layer of coverage.

This tunic is perfect for any beach or pool occasion, and it can easily be dressed up or down depending on the occasion. Wear it over your swimsuit for a day at the beach or dress it up with statement jewelry and sandals for an evening out.

With its classic and timeless design, this tunic is perfect for those who want a sophisticated and stylish beach cover-up option. And with its coastal grandmother-approved style, it’s sure to be a hit with those who appreciate classic and timeless fashion.

So if you’re looking for a classic and elegant beach cover-up, this cream-colored tunic is the perfect choice!
The Westside WUnique White Cover-Up: One-Shoulder Neckline Twist

Looking for a unique and stylish cover-up that stands out from the usual white cover-up look? Look no further than this stunning one-shoulder neckline twist cover-up that is sure to turn heads at the beach or pool.

This cover-up features a unique one-shoulder neckline design that adds a chic twist to the classic white cover-up look. The lightweight and breathable fabric keep you cool and comfortable in the sun, while the one-shoulder design adds a touch of sophistication and elegance to your beachwear ensemble.

The relaxed fit ensures a comfortable and relaxed fit, while the one-shoulder design offers a stylish twist that is perfect for any beach or pool occasion. Wear it over your swimsuit for a day at the beach, or pair it with sandals and shorts for a casual daytime look.

This cover-up is perfect for those who want a stylish and unique option for their beachwear. With its chic and fashionable one-shoulder neckline twist, it’s sure to make a statement at any beach or pool party.

So if you’re looking for a unique and stylish white cover-up, this one-shoulder neckline twist cover-up is the perfect choice!illow Dress

MagicLinen Flowing Linen Tunic
Effortlessly Chic Beach Moment with Oversized Linen Button-Down Shirt

Looking for an easy-to-wear and effortlessly chic beachwear option? Look no further than an oversized linen button-down shirt that is perfect for any beach moment.

This shirt is made from lightweight and breathable linen fabric that keeps you cool and comfortable in the sun. The oversized and loose-fitting design ensures a comfortable and relaxed fit, while the button-down style adds a touch of sophistication and elegance to your beachwear look.

Wear it as a beach cover-up over your swimsuit or pair it with denim shorts and sandals for a casual and chic daytime look. The oversized style of the shirt allows you to easily layer it over other pieces, making it perfect for those who want versatile beachwear options.

With its effortless and chic style, an oversized linen button-down shirt is a perfect accessory for any beach moment. It’s easy to wear, versatile, and adds a touch of sophistication to any beachwear ensemble.

So if you’re unsure what to wear for a beach day, an oversized linen button-down shirt is the perfect option for an effortlessly chic beach moment. Add it to your beachwear wardrobe for a stylish and versatile option that you can wear time and time again.

Missoni Stripe Knit Cover-up
Elegant and Fun Missoni Cover-Up Dress: From Beachwear to Formal Attire

Looking for a versatile and stylish cover-up that can transform seamlessly from beachwear to formal attire? Check out this Missoni long-sleeve cover-up dress that is both elegant and fun, making it perfect for any occasion.

This cover-up dress is made from a lightweight and breathable fabric that keeps you cool and comfortable in the sun. The deep V-neck and sheer rainbow print allow your bikini or one-piece to peek through, adding a touch of fun and glitz to your beach ensemble.

But this cover-up dress is more than just a fun and stylish beach option. With its elegant and sophisticated design, you can easily dress it up for a formal occasion. Add a pair of heels and a clutch, and it will seamlessly transform into formal attire, perfect for a fancy dinner or event.

This Missoni cover-up dress is perfect for those who want a versatile and stylish beachwear option that can also be worn for formal occasions. With its unique and eye-catching rainbow print and elegant design, it’s sure to make a statement at any event.

So if you’re looking for a cover-up dress that can transform seamlessly from beachwear to formal attire, this Missoni dress is the perfect choice!
Eres Oda Strapless Stretch-Jersey Maxi Dress
Sophisticated and Elegant Strapless Beach Dress Swim Cover-Up

Looking for a sophisticated and elegant beach dress swim cover-up for all your upcoming vacations this season? Look no further than this classic strapless beach dress.

This cover-up dress is made from a lightweight and breathable fabric that keeps you cool and comfortable in the sun. The strapless design adds a touch of elegance to your beachwear ensemble, while the loose-fitting silhouette ensures a comfortable and relaxed fit.

The classic design of the dress makes it perfect for any age and style, and it can be easily dressed up or down depending on the occasion. Wear it over your swimsuit for a day at the beach or pair it with statement jewelry and sandals for a chic and sophisticated daytime look.

With its versatility and timeless design, this strapless beach dress swim cover-up is the perfect choice for any beach vacation this season. It’s easy to wear and style, making it the ultimate beachwear staple.

So if you’re looking for a sophisticated and elegant beach dress swim cover-up for your upcoming vacations, this classic strapless beach dress is the perfect choice!
Johanna Ortiz Happy Mystery Printed Cotton-poplin Kaftan
Glamorous and Flowy Printed Floor-Length Cover-Up for Swim Getup

Looking to add a touch of glamour to your swim getup for a special occasion? This flowy, printed floor-length cover-up is the perfect choice!

Made from a lightweight, flowy fabric, this cover-up drapes beautifully and creates a stunning silhouette. The printed design adds a touch of sophistication and elegance to your beachwear ensemble and creates a statement look.

Whether you are walking along the beach, attending a pool party, or lounging by the ocean, this glamorous cover-up will make you feel like a superstar. Its floor-length design adds an extra touch of drama to your look, making it perfect for those who want to make a statement.

Pair it with your favorite swimsuit and some strappy sandals to complete the look. You can also dress it up with statement jewelry and heels for a night out or a dinner by the beach.

So if you’re looking for a glamorous and flowy cover-up to add to your swim getup, this printed floor-length cover-up is the perfect choice. It’s sure to make you look and feel like a star on any beach or pool occasion!
Mirth Sonoma Dress in White Boxweave
Fun and Feminine Flowing White Maxi Dress for Day or Night

Looking for a versatile and stylish dress that can take you from day to night during hot summer days? This flowing white maxi dress is just what you need!

Made from a lightweight and breathable fabric, this dress is perfect for hot summer days. The flowy design adds a touch of femininity, while the substantial fabric makes it appropriate for running around during the day or a night out to dinner.

You can wear this dress with sandals or flats during the day for a casual and comfortable look. And for a night out, dress it up with some heels and statement jewelry. The white color of the dress also makes it versatile and easy to accessorize, giving you endless options for styling.

This dress is perfect for those who want a fun and feminine option that can be worn for different occasions. Its versatile design and comfortable fabric make it a perfect choice for summer vacations or weekend outings.

So if you’re looking for a go-to summer dress that can take you from day to night, this flowing white maxi dress is a perfect choice. Add it to your summer wardrobe and enjoy endless styling options!
Charo Ruiz Ornella Guipure Lace-trimmed Cotton Mini Dress
Feminine White Mini Dress with Eyelet Detailing for Beach and Beyond

Looking for a versatile and stylish cover-up that you can wear both on and off the beach? This feminine white mini dress with delicate eyelet detailing is just what you need!

This mini dress features a timeless and feminine design that is perfect for any summer occasion. The delicate eyelet detailing adds a touch of texture and sophistication, while the white color creates a fresh and classic look.

You can wear this dress as a cover-up over your swimsuit at the beach or pair it with strappy gold sandals and a straw bag for a chic and stylish daytime look. The versatility of this dress makes it a foolproof cover-up option that you can wear both on and off the beach.

The lightweight and breathable fabric of the dress ensures a comfortable and relaxed fit, making it perfect for hot summer days. You can also dress it up with heels and statement jewelry for a night out or a dinner by the beach.

So if you’re looking for a versatile and stylish summer dress that you can wear to the beach and beyond, this feminine white mini dress with eyelet detailing is the perfect choice. Add it to your summer wardrobe and enjoy its endless styling options!
Lake Pajamas Gauze Caftan in Morning Blue
That’s a great choice! A blue caftan dress is a classic and versatile piece that can be worn over your

swimsuit or as a standalone outfit. Its loose and flowy silhouette can help keep you cool during hot summer days. The v-neckline adds an elegant touch, while the short sleeves provide just the right amount of arm coverage. You can also accessorize with a wide-brimmed hat, sunglasses, and some sandals to complete the look. Overall, it’s a perfect option for achieving a laid-back but put-together vibe.