Always use a cover page IMO. It just seems professional, even if you don't tailor it to every position. A generic CL is fine for many jobs/industries.
Your resume needs to highlight skills/accomplishments related to the job being applied for. If you're applying all over the map this can be hard, so if that's the case consider creating multiple resumes and sending the right one for the right job.
When I was last job hunting I had 4 resumes and 4-5 cover letters. I was applying to different industries and used a different resume for each that highlighted what I could bring to that industry.
A skill based resume is also a good way to go if you don't have a lot of experience in the field your trying to get in to. Focuses on related skills, and draws less attention to the limited experience. This got me into Real Estate with absolutely no real estate experience. I don't think a regular resume would have worked as well for me.
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