I guess you could use a white sheet, for the cover, if it's thick enough not to see the sheets below it, alot cheaper than buying a duvet cover.  Is that what you used?

Cindy - We used everything the homeowner had, except for the lighting and the accessories on the wall, which we selected for her within her budget guidelines. The coverlet you see on the bed is the homeowners existing as well. I might use sheets to make a duvet for a vacant staging, but an occupied home needs something a little more user friendly!