If this were my dream I would first review if while I was dreaming someone was actually pulling the covers off. If so, it's normal to incorporate outside sounds, smells, and actions into dreams. If this was actually happening, and I was dreaming of someone pulling the covers off, I would look at this dream as symbolic of something happening in my life. Do I feel someone is figuratively "pulling off the covers" in relation to a secret in my life? Do I feel I am being exposed in some way while I am desperately trying to keep myself from being exposed? What am I desperately trying to hold onto that someone is threatening to take away from me?