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When you leave your ejaculate on your (or your girl's) stomach and pass out.

On the coldest and loneliest of evenings, use your cumforter as an added layer of insulation.
Bro 1: Dude, last night I was so tired after tugging it I passed right out and left myself a bell full of mess.

Bro 2: At least the cumforter kept you warm.

Bro 1: Yea, but it was a bitch cleaning the fuzzies off my stomach this morning.
by nofx9019 March 24, 2010
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3
The sheet/towel you use over and over again to clean up your 'mess' after masturbating.
After I got done masturbating, I used my comforter to clean up my mess, thus making it a cumforter.
by Mat123abcyallknowme August 11, 2010
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