The song "On Top of the Covers" by Mike Jones is about a woman who captivates and entices the singer. It highlights her seductive movements and grinding on him, which ultimately leads to him taking her home. The lyrics emphasize that their intimacy doesn't happen between the sheets but rather on top of them. The chorus repeats the idea of their physical encounters happening on top of the covers. It suggests a sense of spontaneity and passion in their relationship. In the first verse, Mike Jones describes the woman's attractiveness, stating that she is wet and irresistible. He expresses his anticipation of getting physical with her. The lyrics also mention her staying "juicy," suggesting her continual sexual excitement. The verse includes Mike Jones' phone number, 2812064336, and he invites the woman to contact him. This line serves as a catchy advertisement for the artist. In the second verse, Mike Jones references his luxurious lifestyle, mentioning a penthouse suite and a Bentley. He implies that these possessions entice the woman to be with him. The verse repeats the idea of the woman being on top of his covers, further emphasizing their passionate encounters. Overall, the song portrays a casual and sexual relationship between Mike Jones and a mysterious woman. It focuses on their physical connection and the enjoyment they find in each other's company.