The song "Under Covers" by Eric Bellinger is about a man who has been wanting to be intimate with a certain girl for a long time. He expresses his desire for her and promises to please her like no one else can. The girl seems to have always been on his mind and he feels like it was destiny for them to be together. The lyrics suggest that they have been waiting for the right time, and now that it's finally happening, he is filled with excitement and anticipation. The chorus talks about dreams coming true as they are now under the covers together, implying that their intimate desires are being fulfilled. The lyrics also mention the importance of waiting for the right moment before being intimate, indicating a sense of respect and consideration. The bridge highlights the man's desire to take his time and ensure that the girl is fully satisfied. He acknowledges the possibility that they may not have this opportunity again, making it even more meaningful to him. Overall, the song portrays a story of longing, patience, and the fulfillment of a long-awaited desire for intimacy with someone special.