This set is amazing. It comes with the insert which will cost you 100 at least, even at TJ Max or Ikea. It has a zipper, instead of buttons- so it doesn't pop open when you move it around. The comforter fits in the duvet perfectly, there is no extra flimsy fabric. It is soft, and beautiful colors. If you are debating on buying this product, don't. It is worth every penny.