Even women who love the way they look in a bathing suit (and we know there are some, somewhere) need a few swimsuit cover-ups. Whether you're strolling to the beach bar, taking the kids to the neighborhood pool or just need protection from the sun, a cover-up can do the job and still be chic. There are so many styles to choose from, you may want to stock up. A tunic is an easy option and attractive on every body type. Add a tie to the tunic and the look is more polished. Pareos have been favorite cover-ups for years because of their versatility. Once you get the hang of the various ways to wrap it--as a skirt, halter or bandeau, a pareo is like 3 cover-ups in one. Equally popular are tank dresses, both short and maxi dresses, that can go from the beach to a quick stop at the store. Of course, there's the reliable tee-shirt cover up too. Pair it with pull-on shorts, board shorts or board skirt and you're basically dressed. While it's sometimes hard to find the perfect swimwear, the perfect cover-up is easy and effortless style.