A fancy word for coat depends on whether you mean coat as clothing or coat as layer of paint. For coat as outerwear clothing, fancy words include overcoat, greatcoat, topcoat, outerwear, mantle, parka for specific style, peacoat, trench coat, and in fashion, outer garment, wrap, or cloak. For example, instead of coat, you could say overcoat for formal long coat, mantle for elegant cloak, or outerwear for designer term. For coat as layer of paint or finish, fancy words include layer, coating, finish, topcoat, overcoat, veneer, glaze, and film. For example, instead of coat of paint, you could say coating, finish, layer, or application, as in final finish or protective coating sounds fancier. In formal writing, you might say enveloping layer or protective mantle. For animal coat, fancy word is pelage, pelt, or fleece. So best fancy word for coat as clothing is overcoat, mantle, or outerwear, and for coat as paint layer is coating, finish, or topcoat, as in luxurious finish instead of coat of paint, or elegant mantle instead of coat.
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