If you are new to hammocking, you may be wondering if you need a top quilt. The answer is yes and no. If you plan on hammocking in cold weather, then a top quilt is a must-have piece of gear. Top quilts provide insulation and warmth by trapping your body heat inside the quilt. They also protect you from wind and rain. However, if you only plan on hammocking in warm weather, then a top quilt is not necessary.