The phrase "to cover the shoulders" means to wear clothing or use a garment that goes over the top part of your arms and provides protection to the shoulder area. Full definition
A good cover should not be too expensive and you can buy one that is within your budget but these are also available in higher prices. (easybabytote.com)
So your book cover should look like a bunch of other covers in your genre. (creativindie.com)
Your life insurance cover should account for financial goals, including a child's higher education and marriage. (tomorrowmakers.com)