Generate the artwork, not the finished cover. Ask a model for “a book cover with the title Silent Harbour” and you'll get a plausible-looking jacket with broken lettering — a doubled letter, a phantom serif, spacing that no designer would ship. Instead, prompt for the image and reserve the space: “Moody literary cover artwork of a lone rowing boat on a flat grey lake at dawn, mist on the water, muted palette, large empty sky in the upper third for typography, no text or lettering”. Then set the title in a real font over it.
Genre is the other half of the prompt, and it's a design language rather than a subject. Thrillers are high-contrast, cold, off-centre, with one blood-warm accent. Literary fiction is quiet, textured, symbolic, often a single object. Romance is bright, high-key and rounded. Sci-fi is scale and silhouette. Say the genre and the treatment out loud — “contemporary thriller cover art, high contrast, cold palette, single warm accent” — and the composition falls into place. All ten below are unedited first outputs generated on BananaBanana.